Operationalizing ESG for profit. Moving beyond niche solar loans to holistic, high-retention mainstream lending.
The Opportunity: In a high-rate environment, green discounts are a powerful retention tool. Here are the numbers that matter in late 2025.
For eligible green properties.
The new benchmark for best rates.
vs. ~8.5% Dealer Finance.
Comparing key 2025 Green Loan products. The "Sweet Spot" is the bottom-right quadrant (Lower Rates, Higher LVR).
Broker Insight: While Summerland offers competitive rates, the 60% Max LVR restricts it to equity-rich borrowers. Bank Australia offers the best balance of rate and accessibility (90% LVR).
Clients refinancing in 2025 are prime candidates for an EV transition. Don't let them walk into a dealership and sign a high-interest contract.
Comparison based on typical 2025 unsecured dealer rates vs. Green Asset secured loans.
Check property age. Newer builds often have ratings on file. Assess simple upgrade potential (LEDs, Glazing) if under 7 stars.
Build partnerships with certified NatHERS assessors. Facilitate the assessment rather than leaving it to the client.
Submit the 7+ Star certificate upfront with the application to secure the 0.15% - 0.45% discount for the loan life.