Green Loans Australia

Australia has one of the highest residential solar adoption rates in the world. More than 3.9 million Australian homes have rooftop solar installed, and the economics continue to improve: feed-in tariffs may have fallen significantly from their peak, but the value of self-consumed solar generation has risen as grid electricity prices have increased. A well-designed solar and battery system in a typical Australian home or business is now one of the highest-return, lowest-risk investments available — and the right finance structure is what makes it accessible without upfront capital strain.

Australian Finance & Loans is an independent finance broker with access to over 50 lenders including lenders who offer dedicated green loan products with discounted rates for eligible environmental upgrades. This page covers solar and battery system sizing and pricing, how the Small-scale Technology Certificate (STC) rebate reduces your upfront cost, battery brand comparison, the key government programs supporting green investment for businesses and households, EV charger installation finance, heat pump and energy efficiency upgrade finance, and the specific difference between a personal green loan and a business equipment loan for commercial energy assets. This is the most comprehensive green loan page on any Australian broker website.

Solar Panel Systems: What They Cost and What You Get

Solar system costs in Australia have fallen dramatically since 2010 and have broadly stabilised in recent years. The cost figures below reflect 2025 installed prices after the STC government rebate (explained in the next section) is deducted from the installer's quoted price.

Residential solar system sizes and costs (2025, after STC rebate, Melbourne/Sydney/Brisbane indicative)

• 6.6 kW system (20 x 330W panels): $4,000 to $6,500 AUD installed. The most popular residential system size in Australia. Generates approximately 24 to 30 kWh per day in good conditions. Appropriate for households using 20 to 35 kWh per day

• 10 kW system (25 x 400W panels): $6,500 to $10,000 AUD installed. Upper end of single-phase residential systems. Generates approximately 36 to 45 kWh per day. Suitable for larger homes, EV charging, pool heating and high electricity users

• 13.3 kW system (triple-phase, commercial residential): $9,000 to $14,000 AUD installed. For large homes, small businesses and residential properties with three-phase power

• 20 kW to 30 kW commercial rooftop: $15,000 to $30,000 AUD installed. For small to medium commercial buildings, retail premises and offices

• 30 kW to 100 kW commercial: $25,000 to $80,000 AUD installed. For industrial, warehouse and large commercial rooftops

• 100 kW+ large commercial and agricultural: $60,000 to $500,000+ AUD installed depending on size and roof configuration

Panel brands available in Australia (2025)

• Tier 1 panels (highest quality and reliability guarantee): Jinko Solar, LONGi Solar, Canadian Solar, REC Group, Trina Solar, SunPower (Maxeon), Q Cells. These brands appear on the Bloomberg Tier 1 solar panel list and meet the financing and insurance requirements of most lenders

• Premium European and US panels: SunPower (Maxeon), REC Alpha, Panasonic HIT — higher efficiency and longer warranty periods (25 to 40 years) at a price premium of 20% to 40% over standard Tier 1

• Inverters: Fronius (Austria), SMA (Germany), Enphase (microinverters, USA), SolarEdge (optimisers, Israel/USA), Huawei (China), Sungrow (China) are the dominant brands in Australian residential and commercial installations

Understanding the STC rebate: how it reduces your upfront cost

The Small-scale Technology Certificate (STC) scheme is the Australian Government's primary incentive for residential and small commercial solar installations. STCs are created based on the expected electricity generation of the solar system over its deeming period (currently 10 to 12 years, depending on when the deeming period resets). The number of STCs created depends on the system size, the location (solar zone) and the deeming period. STCs are sold to electricity retailers who are required by law to surrender them annually. The market price of an STC fluctuates around $35 to $40 per certificate.

In practice, the STC benefit is almost always provided as an upfront discount off the installed price by the solar installer. The installer creates and sells the STCs on the client's behalf and passes the cash value back as a reduction in the quoted price. This means the prices quoted above are already net of the STC rebate. For a 6.6 kW system, the STC rebate is typically $2,000 to $3,500 depending on location. For a 100 kW commercial system, the rebate is proportionally larger. The STC scheme is scheduled to phase down gradually through to 2030: the deeming period shortens each year on 1 January, slightly reducing the rebate value each year. Delaying a solar purchase into future years costs the full rebate differential.

Battery Storage: Brands, Costs and the VPP Opportunity

Battery system prices in Australia (2025, installed)

• Tesla Powerwall 3 (13.5 kWh): $12,000 to $16,000 AUD installed. The market-leading residential battery in Australia. The Powerwall 3 includes a built-in inverter, making it a fully integrated solar and battery system

• Tesla Powerwall 2 (13.5 kWh): $11,000 to $15,000 AUD installed. Previous generation, widely installed, strong reliability record

• Sungrow SBR (modular, 9.6 kWh to 25.6 kWh): $8,000 to $18,000 AUD installed depending on capacity. Competitive Chinese brand with strong Australian installer support

• BYD Battery-Box Premium HVM (8.3 kWh to 22.1 kWh): $7,500 to $18,000 AUD installed. BYD's LFP chemistry is well-regarded for cycle life (over 6,000 cycles to 80% capacity)

• Sonnen ecoLinx (10 kWh to 20 kWh): $15,000 to $30,000 AUD installed. German-engineered premium battery with advanced energy management

• Enphase IQ Battery 5P (modular, 5 kWh per module): $8,000 to $12,000 AUD for a 10 kWh system installed. Paired with Enphase microinverters

• Alpha ESS (10 kWh to 30 kWh): $8,000 to $20,000 AUD installed. Australian-popular Chinese brand

• Commercial battery systems (50 kWh to 500 kWh): $60,000 to $600,000+ AUD installed. For commercial buildings, agricultural operations and businesses seeking energy independence or demand management

Virtual Power Plant (VPP) programs and battery finance

A Virtual Power Plant (VPP) is a network of home batteries operated collectively as a grid resource under the control of an energy retailer or aggregator. Participating households allow the VPP operator to draw on their battery capacity during grid stress events (typically summer peaks or when wholesale prices spike) in exchange for credits, reduced electricity rates or cash payments. VPP participation can provide $100 to $400 per year in bill credits or payments, depending on the program and the level of participation.

Major VPP programs in Australia include: AGL VPP (SA, VIC, NSW, QLD), Origin Virtual Power Plant, Tesla Energy Plan (requires Powerwall), Simply Energy's Solar and Battery Plan, and various network-specific programs in South Australia, Western Australia and Queensland. For households financing a battery primarily for self-consumption, VPP participation can meaningfully improve the payback period by converting idle battery capacity into a revenue stream.

State battery rebate and incentive programs

• Victoria Solar Homes Battery Rebate: up to $2,950 rebate on eligible home battery systems for eligible households (income-tested). Combined with the STC rebate on the solar panels, the Victorian government support can substantially reduce the battery system net cost

• South Australia Home Battery Scheme: provided interest-free loans and subsidies for battery installations. South Australia has the highest battery uptake of any Australian state due to this program history

• Queensland and NSW: periodic battery incentive programs — check the relevant state energy department for current offers, as these change

• ACT Sustainable Household Scheme: concessional loans for household sustainable upgrades including solar, batteries and heat pumps

Government Programs Supporting Green Investment

Clean Energy Finance Corporation (CEFC)

The Clean Energy Finance Corporation is an Australian Government green bank that provides finance for clean energy projects, energy efficiency improvements and renewable technology. The CEFC does not typically lend directly to residential customers but provides concessional wholesale funding to banks and non-bank lenders who on-lend to eligible projects. CEFC-backed loans appear in the Australian market as green loan products from major banks (NAB, CBA, ANZ, Westpac) and specialist green lenders at discounted rates relative to standard personal or commercial loans. When we identify that a client's green project is CEFC-eligible, we specifically approach lenders with CEFC-backed green loan products to access the most competitive rate.

Australian Renewable Energy Agency (ARENA)

ARENA provides grant funding and concessional loans for renewable energy and energy storage projects with a focus on innovation, commercialisation and larger-scale deployment. ARENA's programs are primarily relevant for commercial, industrial and large-scale residential projects rather than standard residential solar installations. ARENA's Advancing Renewables Program and Community Microgrid program support larger commercial and community energy projects. For businesses undertaking significant energy transitions — manufacturing decarbonisation, agricultural energy independence, commercial precinct electrification — ARENA funding may complement commercial green finance.

Small Business Clean Energy Program and Sustainability Fund programs

Various state governments operate programs supporting small business energy efficiency and renewable energy investment. Victoria's Small Business Energy Efficiency Grants, Queensland's Small Business Sustainability Grant and similar programs provide grants of $1,000 to $50,000 for eligible energy efficiency and renewable energy upgrades. These grant programs often require co-investment from the business and the grant provides a proportion of the total cost. A green loan funds the remaining co-investment. We advise business clients on grant program availability in their state as part of the green loan advisory process.

Safeguard Mechanism and ACCUs for large emitters

The Australian Government's Safeguard Mechanism requires Australia's largest industrial emitters to reduce their emissions intensity over time. Businesses covered by the Safeguard Mechanism (generally businesses producing more than 100,000 tonnes of CO2-equivalent per year) can purchase Australian Carbon Credit Units (ACCUs) to meet their obligations or invest in emissions reduction projects to generate ACCUs. For large manufacturers, miners and industrial operators, decarbonisation investment is increasingly both a regulatory requirement and a financial imperative. Green finance for industrial decarbonisation at this scale involves specialist project finance that we can facilitate through our lender panel.

EV Charger Finance

Installing an EV home charger or a commercial EV charging station is an increasingly common green investment. Home charger installation is typically modest in cost; commercial charging infrastructure for car parks, fleet depots, shopping centres and workplaces is a more substantial capital investment.

Home EV charger installation

• Level 2 AC home charger (7.4 kW single-phase): ChargePoint Home Flex, Wallbox Pulsar Plus, Zappi, Tesla Wall Connector — $800 to $2,500 for the hardware plus $300 to $1,200 for installation, total $1,100 to $3,700 AUD

• Level 2 three-phase home charger (22 kW): $1,500 to $3,500 hardware plus $500 to $1,500 installation

• Most home EV chargers are funded as part of a personal green loan alongside solar and battery, or as a standalone personal loan for the smaller amounts involved

Commercial EV charging infrastructure

• Single DC fast charger (50 kW): $25,000 to $60,000 AUD installed including civil works, switchboard upgrade and networking

• Multiple AC Level 2 chargers for car park or workplace (5 to 20 units): $30,000 to $200,000 AUD depending on unit count, switchboard capacity and civil works

• High-power DC ultra-fast chargers (150 kW to 350 kW) for highway or commercial fleet: $100,000 to $400,000 AUD per charger installed

• Fleet depot charging installation (20 to 100 charger points for EV fleet): $200,000 to $2,000,000 AUD depending on power capacity and civil works

Commercial EV charging infrastructure is financed as capital equipment under a chattel mortgage or business equipment loan for GST-registered businesses, with the full GST claimable on the first BAS. Larger commercial charging projects may qualify for CEFC-backed green finance at concessional rates.

Heat Pumps, Insulation and Energy Efficiency Upgrades

Heat pump hot water systems

A heat pump hot water system uses refrigerant technology to extract heat from ambient air and deliver it to the water cylinder, consuming approximately one-third of the electricity of a conventional electric resistance element. The best-selling heat pump hot water systems in Australia are Sanden, Reclaim Energy, Rheem, Dux and iStore. A quality heat pump hot water system costs $2,500 to $5,000 installed (a conventional electric hot water system costs $600 to $1,200 installed). The additional upfront cost is recovered through electricity bill savings over 3 to 7 years depending on usage and electricity prices. Heat pump hot water systems are STC-eligible in Australia, meaning a rebate of approximately $400 to $800 applies depending on system size and location.

Split system air conditioners (reverse cycle)

Modern high-efficiency reverse cycle air conditioners are rated up to 7-star energy efficiency and represent the most energy-efficient space heating and cooling technology available for Australian homes and offices. Leading brands for efficiency include Daikin, Mitsubishi Electric, Fujitsu and Samsung (with high COP heat pump technology). Financed as part of a green upgrade package alongside solar and battery, reverse cycle air conditioning replacement can reduce both heating and cooling energy costs. A wall-mounted split system costs $1,500 to $5,000 supply and install. A multi-split system for a whole home costs $8,000 to $20,000.

Home insulation and thermal performance

• Ceiling insulation (batts or blown fibre): $1,500 to $4,000 AUD for a standard home

• Wall insulation (injected foam or batts for existing homes): $3,000 to $10,000 AUD

• Double-glazing window replacement: $5,000 to $20,000 AUD for a typical home depending on window count and frame type

• Draught sealing and weatherstripping: $500 to $2,000 AUD for professional service

Home insulation and thermal improvement has among the shortest payback periods of any residential energy efficiency investment. The Victorian government's Ceiling and Wall Insulation programs provide subsidised insulation for eligible households. We finance insulation, double-glazing and thermal upgrades as part of broader home improvement green loans.

Commercial energy efficiency: LED lighting, HVAC and building management

• Commercial LED lighting upgrade (replacing fluorescent or halogen): $5,000 to $200,000 AUD depending on premises size. Payback periods of 2 to 5 years are typical at current electricity prices

• Commercial HVAC upgrade to high-efficiency heat pump systems: $10,000 to $500,000 AUD for commercial buildings

• Building management system (BMS) installation: $20,000 to $200,000 AUD for automated energy monitoring and control

• Power factor correction equipment for commercial and industrial premises: $5,000 to $50,000 AUD

Commercial energy efficiency upgrades are financed as capital equipment under a business chattel mortgage or green business loan. The ROI case for commercial LED lighting upgrades in particular is very strong: a warehouse consuming $80,000 per year in lighting electricity that upgrades to LED at a cost of $50,000 typically reduces lighting electricity cost by 60% to 70%, saving $48,000 to $56,000 per year and paying back the investment in under 12 months.

Personal Green Loan vs Business Green Loan: Which Applies

Personal green loan (residential)

A personal green loan is used by homeowners to finance solar panels, battery storage, heat pump hot water, insulation, EV chargers and other residential energy upgrades. It is an unsecured or property-secured personal loan. The interest is not tax deductible (residential upgrades are personal expenses, not income-producing investments). Green loan lenders offer preferential rates of 0.50% to 1.00% p.a. below standard personal loan rates for eligible environmental projects. Rates from approximately 5.99% to 12.99% p.a. for well-qualified homeowners.

Business green loan (commercial energy assets)

A business green loan or green equipment loan is used by GST-registered businesses to finance commercial solar, battery, EV charging infrastructure, LED lighting upgrades, HVAC and energy management systems. It is structured as a chattel mortgage or equipment finance. The GST is claimable on the first BAS. Interest is deductible annually. The asset is depreciated over its ATO effective life. For businesses, this is the correct and significantly more tax-efficient structure. Business green loan rates from approximately 6.50% to 10% p.a. depending on the business's credit profile and the asset type.

The rental property consideration

A residential landlord investing in solar, battery or energy efficiency upgrades for a rental property occupies a middle ground: the property is a business asset (income-producing) but the upgrade may or may not be treated as a capital improvement versus a maintenance expense. The ATO's treatment of solar panel and battery installations on rental properties as capital improvements means depreciation rather than immediate deduction applies in most cases. Confirm the specific tax treatment with your accountant. If the solar panels qualify as a depreciating asset in your rental property context, a business equipment loan (chattel mortgage) may be the optimal structure.

Solar and Battery Payback Period: Real Calculations

The payback period for a solar and battery investment is the most commonly asked question and the one most often answered with vague generalities. Here are specific worked examples for common Australian scenarios.

Example 1: 6.6 kW solar only, average household

System cost after STC rebate: $5,500. Annual electricity bill before solar: $2,400 (based on $0.30/kWh average rate, 22 kWh per day usage). Solar generation: approximately 27 kWh per day on average. Self-consumption rate (proportion used directly): approximately 40% (10.8 kWh per day). Grid export at $0.06/kWh feed-in tariff: 16.2 kWh per day. Annual savings: (10.8 kWh x $0.30 x 365) + (16.2 kWh x $0.06 x 365) = $1,183 + $355 = $1,538 per year. Payback period: $5,500 / $1,538 = approximately 3.6 years. Remaining system life after payback: approximately 21 years of essentially free electricity generation.

Example 2: 6.6 kW solar + 13.5 kWh battery

Combined system cost: $5,500 (solar) + $13,500 (battery) = $19,000. The battery increases self-consumption from 40% to approximately 80% by storing midday generation for evening use. Annual savings: (21.6 kWh x $0.30 x 365) + (5.4 kWh x $0.06 x 365) = $2,365 + $118 = $2,483 per year. Payback period: $19,000 / $2,483 = approximately 7.6 years. Battery lifespan is typically 10 to 15 years. This example justifies the battery but shows the payback is longer than solar alone — the battery's value is not primarily financial payback but energy independence and backup power.

Example 3: 30 kW commercial solar on a business warehouse

System cost: $22,000 after STC rebate. Annual electricity bill before solar: $45,000 (commercial rate $0.25/kWh, approximately 180,000 kWh per year). Solar generation: approximately 120,000 kWh per year. Self-consumption rate (daytime operations): approximately 70%. Annual savings: (84,000 kWh x $0.25) + (36,000 kWh x $0.06) = $21,000 + $2,160 = $23,160 per year. Payback period: $22,000 / $23,160 = approximately 0.95 years — under 12 months. This is why commercial rooftop solar in Australia has the strongest ROI of any capital investment category for commercial property owners.

Green Loan Details

Loan Amounts

Personal green loans: $3,000 to $100,000 for residential solar, battery, EV charger, heat pump and insulation packages. Business green loans: $5,000 to $5,000,000 for commercial solar, battery, EV charging infrastructure and energy efficiency upgrades. The most common personal green loan amounts range from $5,000 to $30,000 for solar-and-battery packages.

Loan Terms

Personal green loans: 1 to 7 years. The term should ideally not exceed the expected payback period multiplied by a comfortable buffer. For a solar-only system with a 3.5-year payback, a 5-year loan means the system has been generating essentially free electricity for 1.5 years by the time the loan is repaid. Business green loans: 1 to 7 years for equipment. Longer terms of 7 to 10 years are available for large commercial installations from specialist green lenders.

Interest Rates

Personal green loans from CEFC-backed lenders: from approximately 5.99% to 8.99% p.a. for well-qualified homeowners. Standard personal green loans from non-bank lenders: approximately 7.99% to 12.99% p.a. Business green equipment loans (chattel mortgage): approximately 6.50% to 10% p.a. for established businesses. Rates are individually assessed based on credit profile, loan amount and asset type.

Approval Speed

Personal green loans under $30,000 for established borrowers with clean credit: same-day to 48 hours. Business green equipment loans under $100,000: 24 to 72 hours. Larger commercial green installations: 3 to 10 business days.

Frequently Asked Questions About Green Loans in Australia

What can I finance with a green loan in Australia?

Green loans can finance: rooftop solar panel systems (residential and commercial), battery storage systems (Tesla Powerwall, BYD, Sungrow, Sonnen, Enphase), EV home chargers and commercial charging stations, heat pump hot water systems, reverse cycle air conditioning, ceiling and wall insulation, double-glazing, LED lighting upgrades for commercial premises, commercial HVAC upgrades, and building management systems. Both personal green loans for residential upgrades and business green equipment loans for commercial energy assets are available through our lender panel.

What is the STC rebate and how much is it worth?

The Small-scale Technology Certificate (STC) scheme is the Australian Government's incentive for residential and small commercial solar installations. STCs are created based on the system size, location and deeming period. The installer typically provides the STC value as an upfront discount off the installed price. For a typical 6.6 kW residential system, the STC rebate is approximately $2,000 to $3,500 depending on your state's solar zone. The quoted price from your installer is usually already net of the STC discount. The deeming period reduces by one year on 1 January each year until 2030, slightly reducing the rebate value annually.

How much does a solar and battery system cost in Australia in 2025?

A 6.6 kW solar system costs approximately $4,000 to $6,500 installed after the STC rebate. A Tesla Powerwall 3 battery (13.5 kWh) adds approximately $12,000 to $16,000 installed. A combined 6.6 kW solar and Powerwall 3 package costs approximately $16,000 to $22,500 installed. A 30 kW commercial rooftop system costs approximately $22,000 to $30,000 installed after the STC rebate. Prices vary by location, roof complexity, panel brand and installer.

What is the payback period for solar in Australia?

A typical 6.6 kW residential system priced at $5,500 generating $1,500 to $1,800 in annual electricity savings has a payback period of approximately 3 to 4 years. A 30 kW commercial system on a business that consumes most of the generation during operating hours can pay back in under 12 months. Battery storage extends the payback period to 7 to 10 years for residential systems but provides energy independence, backup power and VPP program revenue as additional benefits beyond pure financial payback.

Is the interest on a green loan tax deductible?

For a personal green loan funding residential solar, battery or home energy upgrades, the interest is not tax deductible — these are personal assets, not income-producing. For a business green equipment loan funding commercial solar, battery, EV charging infrastructure or commercial energy efficiency upgrades, the interest is deductible as a business expense and the full GST is claimable on the first BAS. For landlords investing in solar or energy upgrades on a rental property, the tax treatment depends on whether the investment qualifies as a capital improvement (depreciated) or maintenance (deductible in the year incurred). Confirm with your accountant.

Can my business get a discounted rate green loan for commercial solar?

Yes. The Clean Energy Finance Corporation (CEFC) provides wholesale concessional funding to selected banks and non-bank lenders who on-lend to eligible clean energy projects at below-market rates. CEFC-backed green business loans for commercial solar, battery and energy efficiency upgrades are available from major banks and specialist green lenders at rates approximately 0.50% to 1.00% p.a. below standard commercial equipment loan rates. For commercial solar installations above $50,000, we specifically identify and compare CEFC-backed lenders alongside standard equipment finance providers.

What is a Virtual Power Plant (VPP) and how does it affect my battery investment?

A Virtual Power Plant (VPP) is a network of home batteries operated collectively by an energy retailer or aggregator as a grid resource. VPP operators draw on participant batteries during grid peak demand events in exchange for credits, reduced electricity rates or cash payments. Participating in a VPP can provide $100 to $400 per year in additional value from a battery, reducing the payback period by 1 to 2 years. Major VPP programs in Australia include AGL VPP, Origin Virtual Power Plant and Tesla Energy Plan. VPP participation is voluntary and the battery continues to serve the household's self-consumption needs first.

Can I get a green loan as a renter or for a property I do not own?

Most residential green loans require the applicant to be the property owner, because the solar panels and battery are fixed assets installed on the property. Renters typically cannot install solar panels on a property they do not own. However, renters can finance standalone green upgrades that are portable or personal: EV chargers (if the landlord agrees), energy-efficient appliances, portable battery power stations, and in some cases window film or draught sealing where landlord consent is obtained. Some landlords will consent to or contribute to solar installation under a lease arrangement where the installation cost is shared.

What state government incentives are available for residential batteries in 2025?

Victoria offers the Solar Homes Battery Rebate of up to $2,950 for eligible households (income-tested, means-tested, must be combined with solar). South Australia has historically provided battery incentives through the Home Battery Scheme. Queensland and NSW have periodic battery incentive programs — check the relevant state energy department for current availability. The ACT Sustainable Household Scheme provides concessional loans for sustainable home upgrades. These programs change regularly; we advise clients on current availability in their state as part of the green loan discussion.

What is the difference between a personal green loan and financing solar through my installer?

Many solar installers offer their own financing or partner with a single finance provider. This is convenient but may not be the most competitive option. An independent green loan broker like Australian Finance & Loans compares rates from multiple lenders and finds the best available rate for your specific credit profile and loan amount. The rate difference between an installer's finance arrangement and an independently arranged green loan can be 1% to 3% p.a. — on a $20,000 solar and battery package over 5 years, this is $1,000 to $2,500 in total interest savings. We recommend comparing independently arranged finance against any installer-provided offer before committing.

Can I include installation costs in a green loan?

Yes. Green loans fund the total installed cost of the energy system, not just the hardware. For solar and battery, the total funded amount typically includes: the panels, inverter and battery hardware; installation labour; electrical work and switchboard upgrades; monitoring system; and council or network approval costs where applicable. The full cost of making the system operational is included in the financed amount.

What is the Clean Energy Finance Corporation (CEFC) and does it lend directly to households?

The Clean Energy Finance Corporation is an Australian Government green bank that provides concessional finance for clean energy projects. The CEFC does not typically lend directly to residential households — it provides wholesale funding to banks and non-bank lenders who on-lend to eligible projects. These CEFC-backed loans appear in the market as green loan products from major banks and specialist lenders at preferential rates. When arranging green loans, we identify which lenders on our panel have access to CEFC-backed wholesale funding and compare these alongside standard green loan products.

How does solar affect my property value?

Multiple Australian real estate studies have found that solar panels add value to residential properties. Estimates from CoreLogic and Domain research suggest a quality solar installation adds between $6,000 and $29,000 to a property's sale price depending on the system size, location and buyer market. For renters and vendors, a solar-equipped property generally sells faster and at a premium to equivalent non-solar properties, particularly in high electricity price states like South Australia and Queensland. This property value uplift is an additional financial benefit of solar investment beyond the electricity bill savings and should be considered in the overall ROI calculation.

Why Choose Australian Finance & Loans for Your Green Loan

• Independent broker: we compare 50+ lenders including CEFC-backed green loan products, bank green personal loans and equipment finance lenders for commercial energy assets

• CEFC access: we identify lenders with access to Clean Energy Finance Corporation wholesale funding for below-market green loan rates

• Both personal and business: personal green loans for homeowners and chattel mortgage / equipment finance for businesses with full GST claimability

• STC rebate guidance: we explain the STC rebate clearly and advise clients to ensure their installer quotes are net of the STC discount

• State incentive awareness: we advise on current state battery rebate and grant programs as part of the green loan discussion

• VPP program awareness: we flag VPP revenue opportunities for battery-owning clients seeking to maximise their investment return

• Commercial solar expertise: short payback periods and strong ROI cases for commercial rooftop solar presented to lenders for fast approval

• Installer finance comparison: we compare independently arranged green loans against installer-provided finance and identify whether the installer's offer is competitive

• Full system finance: hardware, installation, switchboard upgrades and all commissioning costs included in the funded amount

• Fast: same-day to 48-hour approval for personal green loans under $30,000 for well-qualified homeowners