28Watt

Your Perfect Green Loan Match

We’ve partnered with 28Watt to help you find the best green loan on the market. Upload your quote to get started.

28Watt

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Green loans from 2.79%
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Best Price Guarantee, Transparent Green Loans

Green Homes Australia provides transparent cash pricing without hidden markups, while 28Watt delivers genuine green loan rates from 2.79%. This powerful combination means you get honest equipment pricing plus the lowest possible finance costs – giving you maximum value for your energy upgrade investment.

Unlike interest-free schemes that build merchant fees into inflated quotes (up to 35%), our partnership ensures you see exactly what you're paying for. Green Homes Australia's upfront cash pricing combined with 28Watt's green loan options delivers better total value than any "zero interest" deal.

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How it works

28Watt will guide you through the process of accessing the lowest rate green loans in the market. With rates starting from 2.79%, it's never been more affordable to finance your home energy upgrades like solar, batteries, and heat pump hot water systems.

Finding the right green personal loan doesn't have to be complicated. 28Watt compares every green loan on the market to find your perfect match in less than 90 seconds.

  • Upload Your Quote

    Start with your Green Homes Australia energy upgrade quote

  • Find your green loan match

    Pair text with an image to focus on your chosen product, collection, or blog post. Add details on availability, style, or even provide a review.

  • Choose your Loan

    See pre-qualified lending options that suit your budget and upgrade plans

  • Application

    See pre-qualified lending options that suit your budget and upgrade plans

  • Approval

    Get approved and start your energy upgrade journey

Personal Loan Types and Security Options

There are two main types of green personal loans available. For a complete overview of all green loan types including home loans and interest-free options,

See our Comprehensive Green Loan Guide

Secured Green Personal Loans

Perfect if you have an existing mortgage and want the absolute lowest rates. These loans are secured against your property but operate separately from your main mortgage with their own repayment schedule

Key Benefits:

  • Lowest interest rates available (from 2.79%)
  • Available through CBA, Westpac, ING, and Suncorp
  • Must have existing mortgage with the lender
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Unsecured Green Personal Loans

Ideal for homeowners who don't have a qualifying mortgage or prefer not to use their property as security.

Key Benefits:

  • Available for all homeowners
  • No security against your property
  • Competitive rates well below standard personal loans
  • Available through Community First Bank and RACQ
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Which Option Is Right for You?

  • Choose Secured: If you have a mortgage with participating banks and want the lowest rates
  • Choose Unsecured: If you don't have a qualifying mortgage or want faster approval

For detailed analysis of each lender, rates, and application strategies, See our Personal Loan Provider Analysis

The Standout Green Personal Loans

Green personal loans can finance a comprehensive range of energy-efficient upgrades, and when installed by Green Homes Australia, you're guaranteed compliance with all lender requirements.

Secured Green Personal Loans

Perfect if you have an existing mortgage and your bank offers a discounted green loan. These loans are secured against your property but operate separately from your main mortgage with their own repayment schedule.

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ING Green Upgrade Loan

Rate: 3.74% p.a. fixed for 5 years (4.97% comparison rate)
Amount: $5,000 - $50,000
Term: 5-year discount period, term equal to the remaining term on your home loan
Requirements: ING home loan balance $150,000+, LVR max 80%

What Makes It Special:

  • 5-Year Fixed Discount: After 5 years, the green loan is rolled into your mortgage
  • Repayment Flexibility: Choose to pay back over the life of your mortgage (e.g. 30 years) or faster (e.g. in 5 years)
  • Cashback Bonus: $500 for existing customers, $1,500 for new customers that refinance their home loan to ING

Commonwealth Bank Green Loan

Rate: 3.99% p.a. (3.99% comparison rate)
Amount: $5,000 - $50,000
Term: Up to 10 years
Requirements: LVR max 80%


What Makes It Special:

  • No Fees: The monthly account keeping fee is waived
  • Fully digital process: Apply within 10 minutes, get funding the same day

Westpac Sustainable Home Upgrades Loan

Rate: 3.99% p.a. (4.38% comparison rate)
Amount: Up to $50,000
Term: Up to 10 years
Requirements: Westpac home loan $150,000+, no LMI applicable

What Makes It Special:

  • Climate Resilience: Only lender covering bushfire/flood protection
  • No monthly fees

Unsecured Green Personal Loans

Ideal for homeowners who don't have a mortgage and when their lender does not offer a green loan.

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Community First Bank Green Personal Loan

Rate: 6.54% p.a. (7.59% comparison rate)
Amount: $1,000 - $100,000
Term: Flexible terms up to 10 years
Requirements: Standard credit assessment, no mortgage needed

What Makes It Special:

  • Highest Limits: Up to $100,000 - highest unsecured green loan
  • Member Ownership: Customer-owned institution focused on member benefits
  • Flexibility: Lowest minimum loan amount at $1,000
  • No Mortgage Required: Accessible to all homeowners

Gateway Bank Green Personal Loan

Rate: 6.44% p.a. (7.45% comparison rate)
Amount: Up to $30,000
Term: Up to 5 years
Requirements: Standard credit assessment, no mortgage needed


What Makes It Special:

  • Competitive Rates: Attractive pricing for green upgrades
  • Flexible Criteria: Considerate lending approach
  • No monthly fees

How We Ensure the Best Outcomes

When you work with Green Homes Australia and 28Watt together, you get more than just competitive rates – you get a complete solution designed for guaranteed success.

Eligible Purchases and Professional Installation

Green personal loans can finance a comprehensive range of energy-efficient upgrades, and when installed by Green Homes Australia, you're guaranteed compliance with all lender requirements.

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What You Can Finance:

  • Solar Panel System

  • Solar batteries

  • Heat pump hot water systems

  • Reverse cycle air conditioning

  • Induction cooktops

  • Energy-efficient appliances

  • Roof, floor or ceiling insulation

  • Double-glazed windows

  • Energy-efficient lighting systems

  • Smart home energy management systems

How 28Watt Can Help You

28Watt is not your average broker. They specialise in green finance and home energy efficiency upgrades, which means they understand exactly what you need and how to get you the best possible deal. Their expertise goes beyond just finding you a loan – they know how energy upgrades work, what lenders are looking for, and how to make the entire process as smooth as possible.


They will find you the best green loan match, handle all the paperwork, and work closely with Green Homes Australia to ensure everything is perfectly coordinated. You get the benefit of their specialist knowledge without any of the complexity – they take care of the finance side while we take care of the installation, making your energy upgrade journey completely hassle-free.

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Transparent Rate Comparisons

28Watt provides honest, side-by-side comparisons of all available green loan options. As specialist brokers, they're not tied to any single lender, which means their recommendations are based purely on what's best for your situation, not commission structures.

Coordination with Green Homes Australia for Compliant Installations

Every product and installation method we use automatically meets green loan requirements. This eliminates the risk of your loan application being rejected due to non-compliant purchases – a common problem when working with installers who aren't familiar with lender requirements.

Ongoing Support Through Approval and Installation

From initial application through final installation, both teams work together to ensure everything runs smoothly. 28Watt handles all finance communications while we coordinate installation timing and compliance documentation.

Ready to Find Your Perfect Green Loan?

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

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