Sustainable Home Finance Guide
A NatHERS rating may help demonstrate the energy performance of a home for a green home loan application, but it does not create automatic eligibility. Each lender sets its own qualifying threshold, accepted evidence and credit requirements.
Green home loans are intended to support the purchase, construction or improvement of homes that satisfy defined environmental or energy-performance criteria. Depending on the product, the lender may offer a pricing benefit, additional finance for upgrades or another incentive.
NatHERS can provide recognised technical evidence about a new home. Its thermal star rating describes the modelled heating and cooling performance of the dwelling fabric, while a separate Whole of Home rating may record the broader modelled energy performance of household systems, solar generation and battery storage.
Whether either result is accepted for a particular green loan remains a lender decision. Applicants should confirm the lender’s current eligibility criteria before relying on a target rating, specification or certificate.
