Green Home Loans in Australian Capital Territory (ACT) - Discounted Rates for Sustainable Homes
Compare green home loan rates available in the ACT. Stack green rate discounts of 0.20-0.50% with the ACT Sustainable Household Scheme's zero-interest loans up to $15,000 - maximise your savings in Australia's greenest territory.
Rates updated 5 September 2026
Estimated monthly savings $0
Estimated annual savings $0
Based on a typical 6.13% p.a. vs the lowest green rate of 5.74% p.a. over 30 years. Actual savings depend on your loan and home's eligibility.
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Where ACT green home loan rates sit today
Held at 4.35% - 11 Aug 2026
5.77% comparison rate
On a 0.40% green discount
RBA rate cuts plus the ACT’s Sustainable Household Scheme (0% loans up to $15,000) and lender green discounts mean Canberra borrowers can stack illustrative annual benefits worth thousands on energy-efficient homes. Actual savings depend on your loan size, rate and lender assessment.
Green Home Loans in the ACT at a Glance
ACT green at a glance · 2026
0.40%
Avg green discount
Range 0.20-0.50%
~$3,040
Canberra annual savings
At 0.40% on median loan
8+
Green lenders
All available in ACT
$15K
Sustainable Household Scheme
Zero-interest loan
ACT programs
ACT Sustainable Household Scheme: zero-interest loans up to $15,000 for energy upgrades. Federal STCs ($2,500-$3,500) for solar and the federal battery rebate stack on top.
Key ACT features
100% renewable electricity since 2020 and early adoption of high building energy standards. Canberra's cold winters make insulation and efficient heating critical - and the SHS makes those upgrades effectively free to finance.
Sources: Consumer Data Right (CDR), CEFC, ACT Government Climate Choices, Clean Energy Regulator. Data as of 20 May 2026.
Best Green Home Loan Rates in Canberra & ACT
As of September 2026, the lowest green home loan rate available to ACT borrowers starts from 5.74% p.a. - a discount of up to 0.40% off standard variable rates. All 8 green loan products are available nationally, giving ACT borrowers the full range of options.
| Lender | Product | Green Rate | Standard Rate | Discount | Comparison Rate | Eligibility | Features | Compare |
|---|---|---|---|---|---|---|---|---|
| Westpac | Sustainable Upgrades Investment Loan | 4.49% | 4.89% | −0.40% | 4.49% | 7+ stars | ||
| Westpac | Sustainable Upgrades Home Loan | 4.49% | 4.89% | −0.40% | 4.49% | 7+ stars | ||
| Unloan verified May 22 | Green Discount | 5.74% | 5.99% | −0.25% | 5.77% | 7+ stars | Redraw, Auto-discount | |
| CommBank verified May 22 | Green Home Loan | 5.79% | 6.19% | −0.40% | 5.82% | 7+ stars | Offset, Redraw | |
| Athena verified May 22 | Green Rate | 5.84% | 6.04% | −0.20% | 5.86% | 7+ stars | Redraw, No fees | |
| Bank Australia | Clean Energy Home Loan | 5.88% | 6.28% | −0.40% | 6.21% | 7+ stars | Digital banking, Offset, Redraw | |
| Bendigo Bank verified May 22 | Green Home Loan | 5.94% | 6.24% | −0.30% | 5.97% | 7+ stars | Offset, Branch | |
| Bank Australia | Offset Home Loan | 5.95% | 6.35% | −0.40% | 6.14% | 7+ stars | Digital banking, Offset, Redraw | |
| Bank Australia | Clean Energy Investment Loan | 6.04% | 6.44% | −0.40% | 6.34% | 7+ stars | Digital banking, Offset, Redraw | |
| NAB verified May 22 | Green Home Loan | 6.04% | 6.24% | −0.20% | 6.16% | 7+ stars | Offset, Branch | |
| Bank Australia | Basic Home Loan | 6.13% | 6.53% | −0.40% | 6.13% | 7+ stars | Digital banking, Redraw | |
| Great Southern Bank | Basic Variable OO P&I | 8.00% | 8.40% | −0.40% | 6.10% | 7+ stars | Redraw, Digital banking | |
| Great Southern Bank | Offset Variable OO P&I | 8.20% | 8.60% | −0.40% | 6.30% | 7+ stars | Redraw, Offset, Digital banking | |
| Great Southern Bank | Basic Variable Investment P&I | 8.43% | 8.83% | −0.40% | 6.30% | 7+ stars | Redraw, Digital banking | |
| Great Southern Bank | Offset Variable Investment P&I | 8.63% | 9.03% | −0.40% | 6.51% | 7+ stars | Redraw, Offset, Digital banking |
Sustainable Upgrades Investment Loan
4.89%
−0.40%
4.49%
Sustainable Upgrades Home Loan
4.89%
−0.40%
4.49%
Green Discount
5.99%
−0.25%
5.77%
Green Home Loan
6.19%
−0.40%
5.82%
Green Rate
6.04%
−0.20%
5.86%
Rates based on $760,000 owner-occupier P&I loan, 80% LVR. NatHERS 7+ star eligibility. Rates are indicative and subject to change. "Lowest" = the lowest rate on our live CDR feed at the time of viewing, across the lenders we display, excluding products with restricted eligibility (e.g. defence service). "Curated" = a rate we maintain manually from the lender's published pricing (used where the lender does not publish it via CDR) and verify against the lender's website. Rates update daily and not all lenders are included, so other products may be lower. Source: Consumer Data Right (CDR), lender websites, CEFC. Last updated: 5 September 2026. 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.
Green savings example: On a $760,000 ACT loan over 30 years, a 0.40% green discount - saving roughly $190/month, or around $68,000 over the life of the loan, on top of bill savings from running an efficient home.
Save up to $3,832/year with a green home loan
Compare your current rate against the lowest green home loan rate on our live Consumer Data Right feed - 5.74% p.a. for eligible energy-efficient homes.
- Discounted rates for energy-efficient homes
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*Illustrative only. Based on a $650,000 loan over 30 years switching from 6.50% to 5.74%. Green home loans require lender-specific eligibility (e.g. NatHERS rating, energy efficiency benchmarks, or qualifying upgrades). Actual savings depend on your loan details and lender assessment.
Indicative Savings with a Green Home Loan in the ACT
Calculate your savings from a green loan rate discount plus estimated energy bill reductions.
Green Loan Rate Savings
Total Cost Comparison
We compare Australia's green home loan lenders
(every green loan product, one place)
+ many more Reward your ACT efficient home with a better rate.
Green home loans reward energy-efficient ACT builds and renovations with rate discounts of up to 1% p.a. Compare green home-loan products from leading Australian lenders.
Eligible Green Upgrades in the ACT
Energy upgrades that qualify for green loan eligibility and ACT Sustainable Household Scheme funding.
Solar PV Panels
Canberra receives approximately 4.2 peak sun hours per day with clear, sunny conditions. A 6.6kW system costs $4,500-$7,000 after STCs and generates 22-28kWh/day. Can be funded through the SHS at 0% interest. The ACT's 100% renewable electricity target means solar exports offset already-matched renewable supply. Payback period: 3.5-5 years.
- 6.6kW system (ACT)
- $4,500-$7,000
- Annual savings
- $1,200-$1,800
- SHS eligible
- Yes (0% interest)
Battery Storage
Battery storage in the ACT can be funded through the Sustainable Household Scheme at zero interest, plus the federal battery rebate. Batteries store solar energy for cold Canberra evenings when heating demand peaks. Qualifies for green loan eligibility with most lenders.
- 10kWh battery (ACT)
- $8,000-$12,000
- SHS eligible
- Yes (0% interest)
- Payback (with SHS)
- 5-8 years
EV Chargers
The ACT Sustainable Household Scheme covers EV charger installations at zero interest. The ACT has the highest EV uptake per capita in Australia, supported by stamp duty exemptions for zero-emission vehicles. Charging from the ACT's 100% renewable grid means truly zero-emission driving. Accepted by select lenders for green eligibility.
- Level 2 charger (ACT)
- $1,500-$5,000
- Annual fuel savings
- $1,000-$2,000
- SHS eligible
- Yes (0% interest)
Insulation & Glazing
Canberra's cold winters (regularly below zero) and hot summers make insulation one of the highest-impact upgrades. Ceiling, wall, and underfloor insulation dramatically reduces heating costs. Double glazing is critical - Canberra's large diurnal temperature range means windows are a major source of heat loss. Insulation is eligible under the Sustainable Household Scheme.
- Full insulation (ACT)
- $3,000-$6,000
- Double glazing
- $8,000-$20,000
- Heating bill savings
- $800-$1,500/yr
Heat Pump Hot Water & Heating
Heat pump systems are critical in Canberra's cold climate. Heat pump hot water uses 65% less energy than electric storage. Reverse-cycle heat pumps provide efficient heating, critical during Canberra's sub-zero winters. Both are eligible under the Sustainable Household Scheme at 0% interest, and federal STCs provide additional upfront discounts. ACT's 100% renewable grid means heat pumps run on clean energy.
- Heat pump HW (installed)
- $3,000-$5,000
- Annual savings
- $400-$800
- SHS eligible
- Yes (0% interest)
Gas-to-Electric Transition
The ACT is phasing out new gas connections and encouraging households to switch from gas to efficient electric alternatives. Replacing gas heating with reverse-cycle heat pumps and gas hot water with heat pump systems eliminates gas bills entirely. The SHS supports this transition with zero-interest financing, making the ACT a national leader in electrification.
- Gas-to-electric conversion
- $5,000-$15,000
- Gas bill elimination
- $800-$1,800/yr
- SHS eligible
- Yes (0% interest)
ACT Green Incentive Stacking
Combine green loan discounts with the ACT Sustainable Household Scheme and federal incentives for maximum savings.
ACT Sustainable Household Scheme
The ACT Sustainable Household Scheme is Australia's most generous territory-level green finance program. It provides zero-interest loans of up to $15,000 for eligible ACT homeowners to install solar panels, battery storage, EV chargers, efficient electric heating/cooling, hot water heat pumps, and insulation. Repayments are made through your electricity bill over up to 10 years.
| Type | Zero-interest loan |
| Maximum amount | $15,000 |
| Repayment | Via electricity bill (up to 10 yrs) |
| Eligible items | Solar, battery, EV, heating, HW |
Federal STCs (Solar Rebate)
Small-scale Technology Certificates provide an upfront discount on solar panel installations in the ACT. The rebate reduces the cost of a 6.6kW system by $2,500-$3,500. Canberra receives approximately 4.2 peak sun hours per day, making solar a strong investment. STCs can be stacked with the Sustainable Household Scheme loan. Available until 2030 but decreasing each year.
| Type | Federal government rebate |
| Value (6.6kW) | $2,500-$3,500 |
| Available until | 2030 (reducing) |
| Stacks with SHS | Yes |
Federal Battery Rebate
The federal battery rebate can be stacked with the ACT Sustainable Household Scheme for battery storage installations. The SHS covers batteries up to $15,000 at zero interest, and the federal rebate further reduces the effective cost. Battery storage is particularly valuable in Canberra for storing solar energy during cold winter evenings when heating demand peaks.
| Type | Federal government rebate |
| Stacks with SHS | Yes |
| SHS battery loan | Up to $15K at 0% |
| Qualifies for green loan | Yes (most lenders) |
Incentive Stacking Strategy for the ACT
Canberra example: $950K home with a green home loan at 0.40% discount, 6.6kW solar via SHS at 0% interest plus federal STCs, battery storage via SHS + federal rebate, and efficient heat pump heating. The ACT offers the strongest incentive stacking in Australia when combining the SHS zero-interest loan with green home loan rate discounts.
| Green rate saving (annual) | ~$3,040 |
| Solar bill savings (annual) | $1,200-$1,800 |
| Heating savings (heat pump) | $800-$1,500 |
| SHS zero-interest loan + STCs | $15K at 0% + $2,500-$3,500 |
ACT stacking strategy: The Sustainable Household Scheme's 0% interest loan + green home loan rate discount + federal STCs ($2,500-$3,500 off a 6.6kW system) + lower bills can deliver $10,000+ upfront and $3,000-$5,000 in annual savings - one of Australia's most generous combinations.
NatHERS Requirements for Green Loans in the ACT
All major green loan lenders require a minimum NatHERS rating of 7 stars. The ACT was an early leader in building energy standards, requiring 6-star NatHERS from 2013 and adopting the NCC 2022 7-star minimum. Many Canberra homes built in the last decade already meet or approach green loan eligibility. For older homes, the solar panel pathway or Sustainable Household Scheme upgrades offer accessible routes to qualification.
| Lender | Minimum NatHERS Rating | Alternative Eligibility | Verification Method |
|---|---|---|---|
| CBA | 7 stars | Solar panels (min 3kW) | NatHERS certificate or solar proof |
| Bank Australia | 7 stars | Solar + battery, EPC rating | NatHERS certificate or assessor report |
| Bendigo Bank | 7 stars | Solar panels installed | NatHERS certificate |
| Westpac | 7 stars | Solar, battery, EV charger | NatHERS certificate or installer receipt |
| Unloan | 7 stars | Solar, energy upgrades | Self-declared + evidence |
| NAB | 7 stars | Solar panels, battery | NatHERS certificate or evidence |
| Athena | 7 stars | Solar panels installed | NatHERS certificate or proof |
Solar panels (min 3kW)
NatHERS certificate or solar proof
Solar + battery, EPC rating
NatHERS certificate or assessor report
Solar panels installed
NatHERS certificate
Solar, battery, EV charger
NatHERS certificate or installer receipt
Solar, energy upgrades
Self-declared + evidence
Solar panels, battery
NatHERS certificate or evidence
Solar panels installed
NatHERS certificate or proof
NatHERS requirements as published by each lender. Alternative eligibility pathways may change. Source: Consumer Data Right (CDR), lender websites, NatHERS Administrator. Last updated: 5 September 2026.
Building Green in the Australian Capital Territory
The ACT has been a national leader in building energy efficiency, requiring 6-star NatHERS ratings since 2013 - years ahead of other states. The NCC 2022 7-star minimum was adopted in 2023. New homes built in the ACT since late 2023 automatically qualify for green home loan discounts. Canberra's cold climate demands heavy insulation, airtight construction, north-facing glazing for winter solar gain, and efficient electric heating - the ACT is also phasing out new gas connections.
NCC 2022 in the ACT
- 7-star minimum for new builds
- 6-star required since 2013 (early adopter)
- New gas connections being phased out
- Whole-of-home energy budget
ACT NatHERS climate zone
- Canberra - cool temperate (zone 24)
- Cold winters (regularly below 0°C)
- Warm to hot summers (35°C+)
- Large diurnal temperature variation
Passive design for the ACT
- Heavy insulation (ceiling, walls, floor)
- North-facing windows for winter solar gain
- Airtight construction with heat recovery
- Thermal mass + eaves for summer shading
$91K+
Potential savings over 30 years (Canberra median)
Based on 0.40% discount on $950K
$15K
ACT Sustainable Household Scheme
Zero-interest loan for green upgrades
100%
Renewable electricity target (since 2020)
Australia's greenest territory
Frequently Asked Questions
Everything you need to know about green home loans in the Australian Capital Territory.
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ACT Green Energy & Eligibility
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