Home Finance
Apply for residential finance built around green products, with low-repayment, carbon-offset home loans.
Where are you in your journey?
Buying your first place or building a portfolio, there's a green home loan strategy for your stage.
First home buyer
Start your ownership journey on a greener, lower-cost footing.
Refinancing
Move to a low-repayment, carbon-offset loan and free up cash flow.
Building or renovating
Construction finance for a home that's efficient from the slab up.
Investment property
Use equity to grow a portfolio of sustainable, in-demand properties.
Equity for upgrades
Tap your equity to fund solar, battery, and an EV in a single move.
Upgrading homes
Carry your green finance strategy into your next, bigger home.
Finance or refinance your home
How it works for you
Whether you're buying, building, or refinancing, our green home loans reward sustainable living. We help you find low-repayment, carbon-offset residential finance, and show you how to use your equity to invest in sustainable property and grow greener wealth.
- Low-repayment, carbon-offset home loans
- Use equity to invest in sustainable property
- Bundle solar and battery into your finance
- Expert guidance from green finance specialists
What you get
Green home loans
Carbon-offset residential finance with competitive rates.
Equity strategies
Use your equity to build sustainable, greener wealth.
Bundled upgrades
Roll solar and battery costs into a single home loan.
Your journey with Lucent
Discovery
We review your goals, equity, and current loan.
Options
We present low-repayment, carbon-offset finance options.
Application
We guide you through a smooth application.
Greener wealth
Move into a sustainable, cost-effective home loan.
Lenders we compare
We shop the market across major and specialist lenders to secure your greenest, lowest-repayment option.
- CommBank
- NAB
- Westpac
- ANZ
- Macquarie
- ING
- Suncorp
- Bankwest
Brand availability varies by location and system design. Logos shown are trademarks of their respective owners.
