Get a lower upfront interest rate and a 0.95% discount for 5 years for having an energy efficient home.
Simple & quick
Just supply a NatHERS certificate showing your home has an energy rating of at least 7.0 Stars.
Choose from Principal & Interest or up to 5 years of interest-only repayments.
As one of Australia’s largest lenders, Firstmac has a commitment to the environment and the long-term sustainability of housing in Australia. Energy costs are rising globally and so is our carbon footprint. That’s why we are proud to have created our new low-interest-rate Green Home Loan to help in the fight against climate change.
Responsible lending isn’t just a financial responsibility, it is a social responsibility to the community in which we live.
You will need to engage with an accredited assessor to get a NatHERS certificate for your home. Only homes built within the last 12 months qualify.
Your builder should be able to assist you in getting a NatHERS
certificate from an accredited assessor along with your building plans.
Save money with no annual or account keeping fees
Get ahead on your loan with unlimited free additional repayments
You can access loan repayments made ahead of your contracted monthly repayment without any fees
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The Nationwide House Energy Rating Scheme
Energy efficiency is measured by the Nationwide House Energy Rating Scheme (NatHERS). To qualify as green, existing homes must have been built within the last 12 months, and have a minimum 7.0 Star NatHERS rating.
A NatHERS certificate is usually produced when the home is designed, including a rating out of 10, so, if you still have your plans, you may find the NatHERS rating in there.
Most new apartment blocks get an average NatHERS rating, and each apartment inside gets its own individual rating. We look at the rating of the individual apartment.
To qualify, we require a NatHERS certificate by an accredited assessor, showing a 7.0 star rating or higher. You need to talk to an accredited assessor to get a NatHERS certificate. Only homes built in last 12 months qualify.
If you don't have the original certificate, then you may be able to get a copy from the builder to see if they have a record. Alternatively, you can request an accredited assessor to see if they can assess the property for certification.
The Nationwide House Energy Rating Scheme (NatHERS) is a star rating system (out of ten) that rates the energy efficiency of a home, based on its design. Star ratings are based on information about the home's design, construction materials and the climate where it is being built.
Yes, there may be situations in which you could lost the discount as stated in the terms and conditions in the loan, if there are any material changes to the original loan. This includes but is not limited to change in security, occupancy type, and repayments type.
To qualify for the Green Home Loan interest rate discount you must use a NatHERS Accredited Assessor to conduct your house energy rating. Accreditation ensures they have completed the relevant training to provide a reliable energy rating for your home. To find a NatHERS Accredited Assessor, you, your builder or architect can contact one of the three Assessor Accrediting Organisations (AAOs):
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