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At Gateway, we don’t believe banking should cost the earth, that’s why we’ve created home loans designed to reward customers who have made the commitment to live or invest in a home that is gentler on the environment. We offer the Owner Occupier and Investor Green Plus Home Loan for energy efficient homes with a certified 7 Star rating from NatHERS, or a 7 Star rating Residential Efficiency Scorecard, or a Green Star Designed or Certified home from Green Building Council of Australia. The Green Home Loan is for homes that have a Residential Efficiency Scorecard rating between a minimum 4 star up to a maximum 6.9 stars, and those that have not been certified but contain a wide range environmental and energy efficient elements.
Offering the same flexibility and benefits as our Premium Package Home Loan, our Green Loans offer a discounted rate to reward the levels of environmental features on your home. You can also feel good knowing that the interest from your loan does not fund industries and/or activities that cause significant demonstratable detrimental impacts on the environment, including but not limited to coal, oil, gas exploration, mining or extraction and logging of old forests and businesses that unethically source timber. Read more about our Ethical Banking and Ethical Investing policies here
Gateway’s Green Home Loans (Owner Occupied) has been certified by the Responsible Investment Association Australasia according to the strict operational and disclosure practices required under the Responsible Investment Certification Program. See www.responsiblereturns.com.au for details1.
Gateway's Green Home Loans (Owner Occupied) are a Mozo Experts Choice Award Winner for 2022 & 2023:
The Green Plus Home Loan rewards borrowers with at least a 0.25% discount from our Premium Package Home Loan2 when they have invested in energy efficiency measures that receive a 7 Star NatHERS Energy Efficiency rating or a 7 star Residential Efficiency Scorecard rating, or a Green Building Council of Australia Green Star Designed or Certified home. This loan is designed to help borrowers save money on their home loan as a reward for their efforts to reduce energy consumption and minimise their impact on the environment. As this loan is available for the purchase of existing homes, planned new builds and refinancing your eco home, the benefits and discounted rate of the Green Plus Home Loan has never been more accessible.
The Investor Green Plus Home Loan rewards borrowers with at least a 0.25% discount from our Investor Premium Package Home Loan3 for homes with a 7 Star NatHERS Energy Efficiency rating, 7 Star Residential Efficiency Scorecard, or a Green Star Designed or Certified home from Green Building Council of Australia. Whether you’re purchasing a new or existing eco home or refinancing, this loan is designed for forward thinking investors choosing energy efficient homes which minimise their environmental impact. Investors not only contribute to a sustainable future but enjoy savings on their home loan.
The Green Home Loan is designed to enable borrowers to benefit from making impactful environmental upgrades to their home. A Residential Efficiency Scorecard rating between a minimum 4 Star up to a maximum 6.9 Stars or a minimum of three of a wide range of features that make your home more energy efficient could make you eligible for at least a 0.15% reduced rate from our Premium Package Home Loan4. This could be a simple as solar panels, water storage and double-glazed windows. Read more about our Green Home Loan for a full list of all the eligible environmental features and all the benefits of the loan can offer you, no matter if you’re buying, building or refinancing.
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Learn more about NatHERS Ratings and Residential Efficiency Scorecard Assessments.
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Gateway’s Green Home Loans receive Responsible Investment Certification
Looking for new ways to make your home eco-friendlier and more cost-efficient? Something as simple as external awnings could be the answer. Learn more.
Looking for new ways to make your home eco-friendlier and more cost-efficient? Something as simple as double glazed windows could be the answer. Learn more.
Working towards a zero-waste lifestyle protects the environment, benefits the community and helps our back-pocket. It won’t be long until you see the benefits.
Our Ethical Banking and Ethical Investment Policies determine how we use our Members’ money in an ethical and responsible manner in line with our purpose.
The current climate –both environmental and financial – is driving a growing awareness of Green Home Loans, with new building regulations set to make more homes qualify for the product later this year.
Rates advertised apply to principal and interest repayment types only. Interest rates quoted are for new lending only. Existing borrowers should contact Gateway to discuss their requirements. Gateway reserves the right to vary these interest rates at any time. Applications for finance are subject to our standard credit assessment criteria. Full terms and conditions are included in the loan offer. Fees and charges apply.
1 The Responsible Investment Certification Program does not constitute financial product advice. Neither the Certification Symbol nor RIAA recommends to any person that any financial product is a suitable investment or that returns are guaranteed. Appropriate professional advice should be sought prior to making an investment decision. RIAA does not hold an Australian Financial Services Licence.
2 The Green Plus Home Loan interest rate will have at least a 0.25%pa discount from Gateway’s Premium Package Variable Rate (LVR up to 80%) Home Loan. This does not apply to Special Offer Premium Package interest rates. This product is not eligible for borrowers under The Home Guarantee Scheme.
3 The Investor Green Plus Home Loan interest rate will have at least a 0.25%pa discount from Gateway’s Investor Premium Package Variable Rate (LVR up to 80%) Home Loan. This does not apply to Special Offer Investor Premium Package interest rates. This product is not eligible for borrowers under The Home Guarantee Scheme.
4 The Green Home Loan interest rate will have at least a 0.15%pa discount from Gateway’s Premium Package Variable Rate (LVR up to 80%) Home Loan. This does not apply to Special Offer Premium Package interest rates. This product is not eligible for borrowers under The Home Guarantee Scheme.
