Clean Energy Home Loan Fixed
A home loan packed with positives for future generations.
- From (owner occupied)
- 6.19%
- 6.34% comparison
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Fixed · 3 years | 6.19% | 6.34% | New Build |
| Fixed · 3 years | 6.29% | 6.36% | Renovate |
Fees
| Fee | Type | Amount |
|---|---|---|
| Monthly Offset Account Fee Charged monthly | Ongoing | $0.00 |
| Offset Home Loan Annual Fee Charged yearly · Annual fee payable on all Offset Home Loans and Clean Energy Home Loans. The fee is debited to the loan annually on the anniversary date of funding and is non refundable. Only one annual fee applies per customer where multiple loans exist. | Ongoing | $199.00 |
| Rate Lock Fee Payable when you choose to lock in the fixed rate at application. 0.10% of the total fixed loan amount for approved home loan applications (minimum fee $50). This applies to 1, 2, 3 and 5 year Fixed Rate home loans only and is non-refundable. | Other | 0.1% of balance |
| Establishment Fee | Upfront | $0.00 |
| Platinum Rewards Credit Card Annual Fee Charged yearly · An annual fee charged on your credit card.
| Ongoing | $189.00 |
Features
- Digital banking
- You can self-serve your day-to-day banking needs via Bank Australia's App or Internet Banking.
- Offset account
- A Mortgage Offset account reduces the amount of interest you pay on your home loan. The amount within this account is offset against your home loan, meaning you only pay interest on the difference. Up to a limit of $20,000.
- Make your loan repayments weekly, fortnightly or monthly
- Welcoming a new family member to the family can place a pretty big strain on finances so we offer you the option of pausing your home loan repayments to give you some breathing space. This allows you to take a break from payments for three months, or halve them for six. Conditions apply
- Our Eco-Pause lets customers take a break from their mortgage repayments and redirect their money to eco upgrades such as solar panels, batteries and water tanks. With an eco-pause you can pause your repayments for three months or halve them for six. Conditions apply.
- Split loan between variable and fixed is available
Eligibility
- Minimum age — 18 yearsIndividuals (natural persons) must have the legal capacity to enter into the loan contract, provide acceptable identification documentation and be 18 years or older.
- Individuals onlyNot available for non-personal borrowers.
- Applications for loans are subject to the Bank's lending criteria.
- Eligibility for the Clean Energy loan reduced rate is subject to the Bank's Eligibility Criteria found in the Key Information. Conditions apply.
- Residency status — AUAustralian citizen or permanent resident of Australia
Constraints
- Minimum limit — $10,000.00
Bundles
Clean Energy loan
Clean Energy loan
Clean Energy Home loans include an annual fee waiver for the Platinum Rewards Credit Card and everyday banking.
More Information
Published by Bank Australia under the Consumer Data Right · Last updated 23 June 2026 · Product ID 3afd1a9c-e501-4c89-a5f2-1148c555509d · View on CDR.gov.au