Home energy loan options

This guide doesn’t consider your individual objectives, financial situation or needs. Before basing any decisions on this information, please consider:

• its appropriateness to your circumstances
• obtaining professional advice specific to your needs, including financial, taxation and legal advice.

⁺ Customers with an eligible CommBank home loan or investment loan (excluding the Viridian Line of Credit limits and the Equity Unlock for Seniors loan), who take out an Unsecured Fixed Rate Loan for eligible energy-efficient purchases (excluding EV and plug-in hybrid cars) will receive an interest rate of 3.99% p.a. (comparison rate 3.99% p.a.), save $250 on the establishment fee, save $15 a month on the loan service fee and have their Early Repayment Adjustment fee waived (comparison rate calculations are inclusive of this offer).

^**Offer only available on CommBank home energy loans. To qualify, you must apply and fund a CommBank home energy loan for the purchase of a home energy upgrade package through one of Brighte’s vendors. 

• To receive $1,500 cashback, you must be a CommBank Yello Gold or Diamond customer at the time you submit your application for finance. 
• To receive $750 cashback, there is no requirement to be a CommBank Yello Gold or Diamond customer.

The cashback will be paid to your nominated CommBank Yello cashback account, or linked transaction account for repayments (if you are not a CommBank Yello customer) within 4 weeks of your loan being funded. Limit of 1 cashback applies per property. 

We reserve the right to close or vary these offers at any time. 

Ongoing eligibility conditions apply, see commbank.com.au/commbankyello for more information and the full terms and conditions.

Unsecured Personal Loan

'Home energy loans’ refers to Unsecured Fixed and Variable Rate Personal Loans with an energy-efficient discount.

Unsecured Fixed Rate Personal Loan interest rate ranges (with energy-efficient discount applied) are set out below. Comparison rates and examples are based on a $30,000 unsecured fixed rate loan over 5 years:

• Interest rates range from 7.00%³ p.a. to 8.49% p.a. (comparison rate from 8.41% p.a. to 9.88% p.a.). The estimated total amount payable including fees is between $36,792 and $38,071

Unsecured Variable Rate Personal Loan interest rate ranges (with energy-efficient discount applied) are set out below. Comparison rates and examples are based on a $30,000 unsecured variable rate loan over 5 years:

• Interest rates range from 7.50%³ p.a. to 8.99% p.a. (comparison rate from 8.90% p.a. to 10.38% p.a.). The estimated total amount payable including fees is between $37,218 and $38,506

^* System size noted on the invoice/quote must be equal to or greater than our requirements as set out under ‘Eligible energy-efficient products’.

^{^} You may be eligible for same-day funding if you’re approved, accept your contract and complete verification by 4pm Monday to Friday (Sydney/Melbourne time). Subject to credit checks and assessment of your financial situation. Unavailable if an application is incomplete or needs to be referred for a more detailed review by a lending specialist, or if required documentation isn’t provided, and subject to system availability.

¹ Interest rates at the lower end of our range, for example 7.00%/7.50% p.a. (comparison rate 8.41%/8.90% p.a.), may be offered to low risk customers with an excellent credit history.

² Comparison rates are calculated based on an unsecured loan of $30,000 and a secured loan of $30,000, over a term of five years. WARNING: Comparison rate is true only for examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

³ Additional repayments made on a fixed rate and secured personal loan are not available to be redrawn. An early repayment adjustment is charged if loan is fully repaid with 12 or more months remaining on loan term, and we reasonably estimate we will incur a loss or administrative cost. View the Personal Loan Terms and Conditions.

An excellent credit history is determined by, among other things, paying your bills and making loan repayments on or ahead of time, being disciplined with your credit applications, and not overextending yourself financially.

Actions which can negatively impact your credit history include missing bill or loan repayments, defaulting on your credit facility, or making a large number of credit applications in a short period of time. You can find out more about how your credit score is calculated and tips for improving your credit score at our Credit Score Information Hub.

Brighte

‘Brighte’ is Brighte Capital Pty Limited (ABN 74 609 165 906). Brighte hosts and manages the Brighte Marketplace. Brighte selects the vendors that may be presented on the platform and facilitates the interactions with vendors on the platform, including listing the products, quoting and installations services provided by the vendors.

CommBank

‘CommBank’ refers to Commonwealth Bank of Australia. Commonwealth Bank of Australia ABN 48 123 123 124, AFSL & Australian credit licence number 234945.

To find out more details about the award CommBank has received from Canstar, please go to https://www.canstar.com.au.

The Commonwealth Bank is not authorised and does not make any assertions about reduced consumption from non-renewable energy sources through energy-efficient purchases installations. You should seek advice and further information from relevant certified industry professionals.

Loan applications are subject to credit approval and any loan offer includes full terms and conditions. Fees and charges apply. All examples and scenarios are illustrative only.

Information and interest rates are current as at 17 June 2025 and are subject to change.

For more information about Target Market Determination (TMD), please refer to the TMD.