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.

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Quick and personalised
Variable green home loans from 5.13%
No impact on your credit score

Why refinance to upgrade your home

  • Lowest repayments

    Spread upgrade costs over 20-30 years for low monthly repayments

  • Reduce your mortgage rate

    Qualify for green home loan discounts to save on your mortgage

  • Expert support

    28Watt's green loan specialists handle everything from application to
    settlement

Best mortgage rates for energy-efficient homes

Using your home loan to finance energy upgrades is another great option to finance your home energy upgrades. By tapping into your home's equity or refinancing with green loan options, you can spread the cost of your upgrades over 20-30 years, resulting in the lowest possible monthly repayments.

The longer loan term means your monthly repayment for a $30,000 solar and battery system could be as low as $150-200 per month, while your energy bill savings are typically $300-500 per month. This creates immediate positive cashflow from day one.
Even better, upgrading your home may qualify you for discounted mortgage rates, as more and more banks are rewarding customers for making their homes more energy efficient. Green home loans actually reduce your existing mortgage costs while funding your energy upgrades.


Green Homes Australia ensures all installations qualify for these exclusive rates, while 28Watt secures the best possible terms for your situation.

How it works

28Watt will guide you through accessing green home loan discounts that can save you thousands on your mortgage. With rate discounts for energy efficient homes, you'll reduce both your mortgage payments and energy bills simultaneously.

Finding the right green home loan strategy doesn't have to be complicated. 28Watt compares every green home loan on the market to find your perfect match.

  • Free Home Assessment

    Start with Green Homes Australia's energy efficiency evaluation

  • Mortgage Review

    28Watt reviews your current mortgage and refinancing options

  • Upgrade Planning

    Coordinate energy upgrades that qualify for rate discounts

  • Application

    Complete your green home loan application with expert guidance

  • Installation & Approval

    Get your upgrades installed and enjoy lower rates

Green Home Loan Types and Benefits

Banks offer different incentives for green home loans - some provide ongoing rate discounts for energy-efficient homes, while others offer cashback incentives when you refinance and complete energy upgrades. For example, ING offers a combination approach with cashback for new customers plus special low-rate financing for your energy improvements.

There are several ways to access these green home loan benefits. For a complete overview of all green loan types including personal loans

Green Loans Guide

Green Home Loan Rate Discounts

Lower your existing mortgage rate by proving your home meets energy efficiency standards or completing qualifying upgrades.

Key Benefits:

  • Permanent rate discounts on your entire mortgage balance
  • Available through Bank Australia, Firstmac, and Gateway Bank

Green Refinancing Packages

Combine refinancing to a new lender with energy upgrade financing for maximum savings.


Key Benefits:

  • Access better base rates plus green discounts
  • Consolidate upgrade costs into your mortgage
  • ING is offering a $1,500 cashback and one of the best rates in market if you upgrade your home and refinance to ING

Thinking about upgrading your home and refinancing or doing a cash out? Speak to one of the specialised 28Watt brokers.

Find my Green Mortage

Real Customer Success Stories

  • David's Complete Home Transformation

    Property: 4-bedroom detached home, Newcastle NSW
    Upgrades: Solar system, battery, heat pump hot water, induction cooking
    Bank Australia Rate Discount: 0.7% on $690,000 mortgage
    Monthly Mortgage Savings: $438
    Monthly Energy Savings: $465
    Total Monthly Benefit: $903
    5-Year Total Savings: $55,248

  • Sarah's Strategic Refinancing

    Property: 3-bedroom townhouse, Melbourne VIC
    Original Mortgage: $500,000 at 5.8%
    Strategy: Refinanced to ING with green upgrade financing
    New Rate: 5.54% on $500,000 mortgage
    Upgrade Financing: $35,000 at 3.74% fixed for energy improvements
    ING Cashback: $1,500
    Refinancing Savings: $115/month on rate improvement
    Energy Bill Reduction: $320/month
    Net Result: $435/month total savings plus $1,500 cashback

How 28Watt Can Help You

28Watt is not your average mortgage broker. They specialise in green home loans and energy efficiency upgrades, which means they understand exactly how to maximize both your mortgage savings and energy bill reductions. Their expertise goes beyond just finding you a loan – they know how energy upgrades work, what lenders require, and how to coordinate everything for maximum benefit.


They will find you the best green home loan strategy, handle all the mortgage paperwork, and work closely with Green Homes Australia to ensure everything is perfectly timed. You get the benefit of their specialist knowledge without any of the complexity – they take care of the mortgage side while we take care of the installation, making your green home transformation completely seamless.

Find my Green Mortage

Ready to Lower Your Mortgage Rate?

Or send them an email on hello@28watt.com.au or WhatsApp