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Eco Home Loan
Take greater care of the planet with an loan designed to reward you for making more conscious choices
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Variable rate¹
Comparison rate³
At Summerland Bank, we know how important it is to love where you live. A key part of that is embracing your local waterways, wildlife, the weird, and the wonderful.
Take greater care of the planet we all share with an Eco Home Loan designed to reward you for making more conscious choices. Access significant savings and competitive rates on loans for sustainable property purchases, upgrades and renovations.
All interest rates
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Features
Why an Eco Home Loan?
Competitive interest rates
Align your loan with your values
Promote sustainable living
Repayment flexibility and redraw options
No hidden fees or ongoing monthly fees
Investing for future generations
Fast approval process and pre-approval available
Help reduce your carbon footprint and monthly costs
Eligibility
Check your eligibility
Solar power system (minimum 5kw)
Battery energy storage
Solar or heat pump hot water
Water storage (minimum 5,000 litres and plumbed to toilets and/or laundry)
Waterless composting toilet
Wall and ceiling insulation (minimum R2.5 and R4 respectively)
Underfloor insulation
Double glazed and / or tinted windows (minimum 75% of buildings external glass)
Home wastewater treatment system
Reverse cycle air conditioning (minimum 5-star energy rated)
Any other sustainable feature
Calculators & tools
Check with our calculators
Frequently asked questions
Why do you offer Eco loans?
We are passionate about sustainability and protecting the planet we all share. Ideal for the conscious consumer, we offer an Eco Home Loan specially designed for borrowers looking to make an environmentally sustainable purchase while keeping their rates low.
What do you mean by environmentally sustainable features?
We are making an effort to drive down emissions and improve the efficiency of Australian homes by encouraging people to make good, sustainability focused choices for their homes. This includes features like Solar Power, Battery storage, high rated insulation and more. Talk to one of our lending experts about how you might qualify for an Eco home loan.
How long does the process take?
Once we receive your application and supporting documents, we will be in contact with you within just two business days.
Application process
We make things simple for you
Apply online, or start a conversation with our lending specialists
Application and approval
Loan acceptance and funding
Start your application today
Schedule a call with a lender
Schedule a call with a lender.
Choose a time that works for you and our local team will give you a call.
The legal stuff
1.Eligibility for the advertised rate: Minimum new loan amount $150,000, principal and interest repayments only. Maximum LVR 60%. Rate expressed as a percentage per annum, interest is calculated daily unless otherwise stated.
2. Eligibility for the advertised rate: Minimum new loan amount $500,000, principal and interest repayments only. Maximum LVR 60%. Rate expressed as a percentage per annum, interest is calculated daily unless otherwise stated.
3. Comparison rate is based on a loan of $150,000 over 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.
4. Loan reverts to applicable variable rate on maturity of the fixed period.
Rates are subject to change. Conditions, fees, and eligibility criteria may apply, see us for details. Terms and Conditions available upon request.
Target market determination available on request at our branches.