RBA Cash Rate: 4.35% · 1AUD = 0.7 USD · Inflation: 4.1%  

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  Billions Capital [ FINANCE SPECIALISTS ]

Home Loan Variable: 5.80% (5.85%*) • Home Loan Fixed: 6.04% (6.83%*) • Fixed: 6.04% (6.83%*) • Variable: 5.80% (5.85%*) • Investment IO: 6.19% (6.22%*) • Investment PI: 6.04% (5.95%*)

  Green Loan

An unsecured personal loan that can be used to finance the purchase of approved environmentally friendly products.
Category: Personal Loans  Last Updated June 10, 2026  Effective June 17, 2026

General Lending Rates

Rates listed below are for a VARIABLE P&I product. Additional Information
Interest Rate
7.15% PA
Comparison Rate
8.06%PA*
Product rates will vary depending upon your financial position, LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.

Product Features

  • Other Additional Information: The ability to make extra repayments or pay off your loan early without penalty

Product Eligibility

  • Min Age - 18.
  • Residency Status - Individuals Must Be Citizens Or Permanent Residents Of Australia..
  • Employment Status - Applicants Must Be Currently Employed Or Receiving A Regular Income. Self Employed Clients Should Contact The Bank Prior To Applying.
  • Natural Person
  • Other Additional Information: Eligible Loan Purposes: Purchase of Energy, Hot Water, Battery Storage, Insulation, Energy Efficient Cooling/Heating, Water Capture & Recycling, 5-star rated or higher household appliances.

Bank Fees and Charges

  • Loan Service Fee - Personal, Green & Car Loans (Periodic), Amount: 10.00.
  • Default Notice Fee (Event), Amount: 30.00. Additional Information: Payable when a notice is issued regarding a default under the contract
  • Paper Statement Fee (per Statement) (Periodic), Amount: 2.00.
  • Copies Of Statements (up To 12 Months) At Branch (Event), Amount: 2.50.
  • Audit Certificate Fee (Event), Amount: 50.00. Additional Information: Per audit certificate requested
  • Processing And Switch Fee - Green Loans (Upfront), Amount: 150.00.
  • Copies Of Statements (over 12 Months) At Branch Or Posted (Event), Amount: 5.00. Additional Information: per page
  • Copies Of Statement (up To 12 Months) Posted (Event), Amount: 1.00. Additional Information: per page
  • Arrears Notice Fee (Event), Amount: 20.00. Additional Information: 2nd and subsequent reminders by letter or phone

 Limitations & Restrictions (Constraints)

  • Max Limit of 75000.00
  • Min Limit of 4000.00

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Download our 40-page First Home Buyer Guide. The book includes a large amount of information that will guide you during the buying process, and it provides you with information on your various finance options. 
BM FHB Guide, May 2025
Timezone: E. AUSTRALIA STANDARD TIME · [ CHANGE ]

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