Looking to make energy efficient or climate resilient upgrades? Our Sustainable Upgrades home or investment loan is an additional loan secured against your property, with a cool rate to help you get started.
Product data
The lender's Consumer Data Right data, as collected by Homepedia. Nothing in this part comes from a channel.Rates
| Rate | Comparison* | Applies to | Conditions | Source | Since |
|---|---|---|---|---|---|
| 4.74% | 4.74% | Variable · investment · principal and interest | Green upgrade | CDR | 1 Nov 2026 |
*Comparison rates are calculated on a $150,000 secured loan over a term of 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. Fees and charges are payable.
Report an error
Anyone can report a value that looks wrong. The row is marked as disputed and keeps its value; when the lender's Consumer Data Right data next changes we check it and remove the mark.
Source
CDR officialConsumer Data Right product dataShow where this comes from
- Fetched
- 1 Nov 2026
- URL
https://digital-api.westpac.com.au/cds-au/v1/banking/products/HLSustainableUpgradesInvestment- Content hash
sha256 92a32384742f6f4ff037e5a79415b480d68d9a3282d7ef7c22b4fabe0f251512- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_92a32384742f6f4f_4acbf428Show details
- Checked
- 1 Nov 2026
- URL
https://digital-api.westpac.com.au/cds-au/v1/banking/products/HLSustainableUpgradesInvestment- Content hash
sha256 92a32384742f6f4ff037e5a79415b480d68d9a3282d7ef7c22b4fabe0f251512- Excerpt
- —
- Rule version
mapper@0.1.2
Page and PDF snapshots are kept by Homepedia; the hash above identifies the exact version we read. Data as at 1 Nov 2026.
Fees
| Fee | Type | Amount |
|---|---|---|
| Monthly Account Fee | Periodic | $0.00 |
| Lending Establishment Fee | Upfront | $0.00 |
| Bank Cheque Issuance Fee | Event | $10.00 |
| Loan Account Fee | Periodic | $0.00 |
| Missed Payment Fee | Late payment | $15.00 |
| Document Processing Fee | Event | $0.00 |
| Account Overdrawn Fee | Event | $15.00 |
| Loan Discharge Fee | Exit | $350.00 |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Other | Access a 2nd loan: An extra home loan or investment loan secured against your property, with no package or offset available. Borrow up to $50k. | |
| Other | Home improvements: Help take control of your energy consumption with upgrades like solar panels and batteries. Plus, you could make bushfire, storm, and flood resilient upgrades. | |
| Other | Cool rate, no monthly fees: You won't pay any loan establishment or monthly account fees. | |
| Other | Flexible repayments: Pay it off as fast as you like with unlimited extra repayments (redraw unavailable). | |
| Other | The product provides options which includes repayment holiday and a progressive drawdown features. | |
| Other | Loan Payment Method: Direct Debit (preferred), Direct Credit, Branch Payment, Internet or Phone Banking | |
| Other | Repayment frequencies includes weekly, fortnightly or monthly | |
| Extra repayments | The product includes extra repayment features. | |
| Other | Sustainable upgrade offers from our approved providers. Qualifies for our cool interest rate. We've teamed up with Origin for quotes on home energy upgrades from Origin's network of local approved installers: Battery, Solar panels, EV charger, Hot water heat pump, explore offers and government rebates. | |
| Eligibility: other | You must have or be approved for a Westpac home or investment loan with a minimum loan size of $150k | |
| Eligibility: min age | 18 | 18+ years old |
| Eligibility: other | The property securing your Westpac home or investment loan must be the property being upgraded for energy-efficiency or climate-resilience | |
| Eligibility: other | Lenders mortgage insurance must not be applicable at time of applying. | |
| Eligibility: other | Individuals, Discretionary or Family Trusts (Individual trustees only) | |
| Eligibility: other | You've chosen from our list of eligible energy-efficient or climate-resilient upgrades and funds spent on these upgrades only. | |
| Limit: min limit | 4000.00 | |
| Limit: max limit | 50000.00 | |
| Limit: other | ||
| Limit: other | ||
| Limit: other |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Variable · investment · principal and interest | 1 Nov 2026 | Current | 4.74% | 4.74% |
*Comparison rates are calculated on a $150,000 secured loan over a term of 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. Fees and charges are payable.
Tags
| Tag | Meaning | Effect |
|---|---|---|
purpose:green-upgrade | Green upgrade | Left out of the standard home loan table |
Registered channels
Lender staff and brokers registered with Homepedia, and the prices available through them. Separate from the product data above: it never changes the lender's rates or the order of any rate table.People registered for this product
No one is registered for this product yet. Lender staff and brokers can join through verification.