Clean Energy Home Loan
A home loan packed with positives for future generations.
- From (owner occupied)
- 5.88%
- 6.21% comparison
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable | 5.88% | 6.21% | New Build |
| Variable | 5.98% | 6.25% | Renovate |
Fees
| Fee | Type | Amount |
|---|---|---|
| Monthly Offset Account Fee Charged monthly | Ongoing | $0.00 |
| Mortgage Discharge Fee Payable when you discharge the mortgage. Statutory government registration fees will still apply. | Event | $275.00 |
| 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 |
| Portability Fee- New Mortgage Payable when you request that a property securing a loan is replaced with a property that is a new security to Bank Australia. | Event | $500.00 |
| Establishment Fee | Upfront | $0.00 |
| Redraw fee | Event | $0.00 |
| 1st Valuation Fee | Event |
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.
- Eco-Pause: 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 fditions apply.
- Flexible Repayments: Make your loan repayments weekly, fortnightly or monthly
- Parental Pause: 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.
- Redraw facility
- If you're ahead of your repayments, you may be able to redraw fee free, with restrictions if your loan is fixed
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 onlyIndividuals only: Not available for non-personal borrowers.
- Eligibility for the Clean Energy loan reduced rate is subject to the Bank's Eligibility Criteria found in the Key Information. Conditions apply.
- Applications for loans are subject to the Bank's lending criteria.
- 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 a4d8b0f1-7691-4bc2-ba8a-216a787681a9 · View on CDR.gov.au