Sustainable Home Loan

Be rewarded for your commitment to the environment with a green home loan that offers a low interest rate and full range of features.

Features & Benefits of a Sustainable Home Loan

Great Interest Rate
Incentives for sustainable housing
Up to 8 100% offset accounts
Dedicated Relationship Manager
Variable Rate
(Owner Occupier, Principal & Interest)
Variable Rate
(Owner Occupier, Principal & Interest) - Comparison Rate

Our Sustainable Home Loan provides a great incentive to members for investing in environmentally friendly and sustainable features for their new home, or for adding them to their existing home.

There are also all the features you'd expect, like up to 8 100% offset accounts, along with unlimited advance payments and redraws. But the real incentive is a considerable discount off our standard variable interest rate!

Eligibility Requirements

To be eligible for the Sustainable Home Loan your home first needs to pass the current minimum environmental standards required by your relevant state or territory authority. Additionally, you need to provide evidence that your home has at least one feature from List A and at least two features from List B, as below1:

List A

List B

  • Grey Water Treatment System
  • Solar Power System (including PV)
  • Wind Turbine
  • Micro Hydro System
  • Double glazed windows (or better)
  • Solar Hot Water
  • Rain/Storm Water Tank
  • 5 star+ Gas or Electric Heating
  • External Awnings

Product Details

Target Market Determination
Owner Occupier
Interest Rate Type
Repayment Frequencies
Weekly, Fortnightly or Monthly
Advance Payments
100% Offset Accounts
Up to 8 per loan account
Split Loans Allowed
Minimum Amount
Maximum Term
30 years
Minimum Deposit
(without Lenders Mortgage Insurance)
Minimum Deposit
(with Lenders Mortgage Insurance)
Interest Only Payments Available
Yes, up to 5 years4
Discounted Interest Rate on Your Choice Visa Credit Card
3% discount
Annual Fee
Approval Fee
Documentation Fee
Valuation Fees
At cost
Top Up Fee
Restructure Fee
Monthly Service Fee
Break Costs for Early Payout
Access Fee on Transaction & Savings Accounts
Variable Rate
(Owner Occupier, Principal & Interest)
Variable Rate
(Owner Occupier, Principal & Interest) - Comparison Rate

Helpful Calculators

Home Loan Repayments Calculator

Compare Loans Calculator

Borrowing Power Calculator

Family playing in front yard

Want to know more about home loans?

We know the home loan process can be confusing at times, but at Regional Australia Bank we like to make the complex, simple.

We've simplified and compiled a list of questions we frequently get asked about, such as "How much deposit do I need?" or "What's the difference between a variable and fixed rate?"

Be sure to check out our Frequently Asked Questions to learn more.

Have a question or want to get started?

Apply for Refinancing Your Home Loan Online

Get started now by applying online to refinance your home loan. It's convenient, secure and available 24/7.

Need help choosing a loan?

Get in touch with a Home Loan Specialist for advice when refinancing. We're here to help from application to settlement.

Call us

We're available on 132 067 if you would like to apply over the phone or have a question.


Interest rates are on a per annum basis and are current for new loan contracts as of today's date and are subject to change.

1 The Sustainable Home Loan is available where borrowers demonstrate by suitable evidence that their home meets the specified guidelines. Regional Australia Bank reserves the right to determine whether a home is eligible for the Sustainable Home Loan at their absolute discretion.

2 The Comparison rate is calculated on a secured loan amount of $150,000 over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

3 Minimum redraw amount is $500.

4 Regional Australia Bank reserves the right to determine eligibility for this service.

Terms, conditions, fees, charges and normal lending criteria apply. See Fees & Charges for full details.
Please refer to the Product Details, Conditions of Use and Target Market Determination when considering if this product is right for you.
Regional Australia Bank Ltd is the issuer of the product.