Help & support
We’ll help you with your transition to an energy-efficient home. Explore our range of loans for solar, batteries, and more.
Financing solutions for your home energy upgrade
Home energy loan (fixed rate) for Home loan customers
If you have an eligible Home Loan with us, you could enjoy a discounted rate and $0 establishment and monthly fees.+
Fees
Rates:
Features
Got a quote via Brighte?Customers with a quote from Brighte need to navigate to the Brighte platform to choose ‘CommBank Financing Options’ to complete their application.
Home energy loan (fixed rate)
Certainty of fixed repayments over the term of the loan with our Unsecured Fixed Rate Personal Loan.
Fees Rates: Features Got a quote via Brighte?Customers with a quote from Brighte need to navigate to the Brighte platform to choose ‘CommBank Financing Options’ to complete their application.
Home energy loan (variable rate)
Flexibility to make extra repayments without a fee with our Unsecured Variable Rate Personal Loan.
Fees Rates: Features Got a quote via Brighte?Customers with a quote from Brighte need to navigate to the Brighte platform to choose ‘CommBank Financing Options’ to complete their application.
Eligible energy-efficient purchases
To qualify for the energy-efficient discount, you must use your personal loan to buy or install eligible products listed below (e.g. solar panels, battery packs and EV chargers).
Note: there is no invoice required if you purchase your home energy upgrade through our selected providers (e.g. Brighte).
Documents you need:
Documents you need:
No, you are not required to use a supplier from the Brighte marketplace. However, using a marketplace-approved supplier can streamline the process, as these installers are already vetted and familiar with the application and funding requirements.
Installers in the marketplace are typically selected based on specific criteria such as licensing, experience, quality of service, and compliance with industry standards. This ensures customers are connected with reputable and reliable providers.
If your preferred vendor is not listed in the marketplace, you can:
If you encounter an error:
If the issue persists, contact customer support for assistance.
Application delays can occur due to:
You will typically be notified if further action is required from your side.
Loan funding may be pending because:
Funds are usually released once all conditions are met.
Funding is generally released after installation to ensure that:
This helps protect all parties involved.
If your application has stalled, you can contact:
Make sure to have your application details ready when reaching out.
Cashback amounts may vary depending on:
Check the offer details or contact support for clarification.
Yes, you may still be eligible to apply for another loan, subject to lending criteria and approval. Each application is assessed individually.
In many cases, you may be able to increase or refinance your loan depending on your circumstances. Contact your lender or support team to discuss available options and eligibility.
For Brighte applications, funding happens after installation is complete. Brighte has received the approval and is coordinating next steps with the vendor.
Next steps:
This guide doesn’t consider your individual objectives, financial situation or needs. Before basing any decisions on this information, please consider:
+ 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 4.24% p.a. (comparison rate 4.24% 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 Unsecured Fixed and Variable Personal 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 cashback, you must be a CommBank Yello customer at the time you submit your application for finance.
Cashback is based on the Home Energy Upgrade loan amount:
The cashback will be paid to your nominated CommBank Yello cashback account within 4 weeks of your loan being funded. Limit of 1 cashback applies per property.
Ongoing eligibility conditions apply, see commbank.com.au/commbankyello for more information and the full terms and conditions.
We reserve the right to close or vary this offer at any time.
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:
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:
* 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 7.24%/7.24% p.a. (comparison rate 8.64%/8.64% 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 fixed rate car 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 1 July 2026 and are subject to change.
For more information about Target Market Determination (TMD), please refer to the TMD.
