Your online green mortgage broker

Speak to one of our specialised green home loan brokers on how to access the lowest rates in market. Simple & free.

5 star rating

Personalised and no obligation

Variable green home loans from 5.43%

Green loan expert support

Solar panel installation on a residential roof

Why choose 28Watt

We are not your average broker. Our qualified brokers are also home energy efficiency experts. We understand exactly how to qualify your home to get the best rates in market and eliminate your energy bill.

Lowest rates
Access the lowest mortgage rates with green home loans
Expert support
We support you with green finance and your home energy upgrades.
Teamwork
We work with your installer to make sure your green loan ticks all boxes

Get started

How David will save $55,248 in the next 5 years

Living in a detached, four-bedroom home in Newcastle, NSW - with electricity and gas expenses climbing, David saw an opportunity to future-proof his property by embracing home electrification. And that's exactly what he did.

Lowered his energy bills
Reduced his home loan rate by 1.5%
Increased the value of his property

Read the full story

A lender for every Home

Looking for a home loan that rewards your energy‑efficient features like solar panels? As Australia’s specialist green mortgage broker, 28Watt taps into a panel of 60+ lenders, from climate focused banks to the Big Four.

Ready to see how much you could save? Our experts will negotiate on your behalf to get you the best deal possible.

Compare lenders

The standout green home loans

Bank Australia - Renovate

Interest rate: 5.13% variable, Comparison rate: 6.11%. Property must have no connection to gas mains. Must make three energy-efficient home upgrades within 18 months OR show a 1-star or more improvement on the Residential Efficiency Scorecard.

Gateway Bank - Green Plus

Interest rate: 5.60% variable, Comparison rate: 5.89%. Property must have a 7-star Resedential Efficiency Scorecard or NatHERS rating. Want to get a free scorecard for your home? Click ‘Learn more’ below.

Bank of China - Green Borrower

Interest rate: 5.58% variable, Comparison rate: 5.96%. Property must have solar, solar hot water, or heat pump hot water. Minimum loan amount $400,000.

Free and personalised advice for your home.

At 28Watt, we provide a free home assessment showing you how much you could save on your bills by making your home more energy efficient.

1. Free home assessment

We'll ask you a few questions about your home so that we can provide tailored advice. This takes less than three minutes.

2. Inspection

We quickly scan all green loans lenders to pinpoint the options you’re eligible for.

3. Final quote

Compare personalised offers side-by-side and select the rate and features that fit best.

4. Secured Payments

We’ll send you to the lender to complete your application.

5. Approval

Receive fast conditional approval so your upgrade can kick off without delay.

Our solar installer offered 28Watt’s services when we received our quote. I knew we wanted to pay with finance but wasn’t sure what the cheapest option was. Within minutes I could see Westpac, ING, and RACQ green-loan options side-by-side no extra paperwork. We picked the lowest rate and booked the install the same day.

Aiden Frost

Morphett Vale, SA 5162

The plumber replacing our old gas hot-water tank used 28Watt’s portal to pre-qualify us for Community First Bank’s eco-loan. The approval arrived before the new heat-pump was out of the box, and the repayments are less than our energy bill savings.

Rebecca James

Duncraig, WA 6023

A battery felt out of reach until the installer showed 28Watt’s financing options. Seeing exactly how much each lender would cost and the projected bill savings gave me the confidence to lock it in. I chose RACQ’s 6.99% green loan and cut the pay-back period by two years.

Hugo Maralas

Wagga Wagga, NSW 2650

Latest Articles

Latest information and advice to help you transition to a sustainable home.

View all

Green loans