Eligible Upgrades: Sustainable Upgrades home loan
Check out the available options and FAQs for the Sustainable Upgrades home and investment loans.
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Sustainable Upgrades home loan
It's important to get independent professional assessments and checks to ensure they’re right for your home and local climate. You can consult with experts like builders, engineers and suppliers. You can also compare different quotes to find the best one for you.
Energy-efficiency: What type of upgrades can I make?
Choose energy-efficiency upgrades from our approved provider Origin. Remember to do your own research. And gather quotes before applying for a Sustainable Upgrades home or investment loan.
Explore how you could upgrade your home
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Explore how you could upgrade your home
Cogo’s online Home Energy Tool
Discover estimated energy bill reductions with Cogo’s online Home Energy Tool. Cogo’s tool quickly estimates the energy efficiency of a comparable home to yours.
In minutes, get energy-efficient upgrade suggestions and information on:
- Typical upgrade costs
- Estimated energy bill reductions, and
- Potential rebates
Cogo[#] is a third-party platform. The Home Energy Efficiency Tool is offered by Cogo and not Westpac Banking Corporation (Westpac). Use of the tool is not required to apply for a Sustainable Upgrades Home or Investment Loan.
Take me to Cogo’s online tool
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Qualifies for our cool interest rate
Quotes with Origin
We've teamed up with Origin for quotes on home energy upgrades from Origin's network of local approved installers.
- Battery
- Solar panels
- EV charger
- Hot water heat pump
- Explore offers and government rebates
Get quotes
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Climate-resilience: What type of upgrades can I make?
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Eligible products
- Flooring system with non-combustible materials
- External walls with non-combustible or fire-resistant material
- Roofing with non-combustible materials, sealant and coating: Tiles, sheets and covering accessories, framing, external finishes and insulation; full sark sheet; tiled roofs
- Window fixings: non-combustible window frame; metal flyscreens or shutters; toughened glass in window glazing; fire rated window
- Doors built with non-combustible material or solid timber
- Doors with metal screens or bushfire shutters
- Fully framed glazed doors with the frames constructed of a bushfire-resisting timber
- Weather strips
- Draught excluders, or draught seals
- Fencing within 1.5m of the property using non-combustible materials, like cement fibre, metal, chain link or stone
Must be:
- Installed by a licensed tradesperson; and
- Installed in line with National Construction Code (NCC) guidelines; and
- Non-combustible as defined under the NCC 2022 Volume 2 Class 1 building. A list of materials that fall within the definition of ‘non- combustible’ are listed in the NCC 2022: Part C2D10 subsection (5) and (6)
Evidence when applying
Provide a quote from your supplier or installer, showing:
- Upgrade details (where applicable) including make and model; and
- Their company name and trades’ license number; and
- The property address for the installation
Evidence for payment
Request payment from your loan, by signing and sending us the tax invoice from your supplier or installer, showing:
- Upgrade details (where applicable) including make and model; and
- Their company name and trades' license number; and
- The property address for the installation; and
- Confirmation that the upgrade has been successfully installed at the property
Eligible products
- Raise above flood levels: Air condition condenser units, electrical systems and switchboard (including data and electrical points), hot water unit and water tank
- Separate circuits with breakers on upper and lower levels
- Solid core, aluminium, glass or corrosion resistant doors, frames, and windows
- Permeable garage doors
- Flush door thresholds, including removing all thresholds that obstruct drainage and discharge of flood waters
- Sealing frames to building fabric
Must be:
- Installed by a licensed tradesperson; and
- Installed in line with National Construction Code (NCC) guidelines; and
- Water resistant, as defined in NCC 2022, means: The property of a system or material that restricts water movement (won’t degrade under conditions of moisture)
Evidence when applying
Provide a quote from your supplier or installer, showing:
- Upgrade details (where applicable) including make and model; and
- Their company name and trades’ license number; and
- The property address for the installation
Evidence for payment
Request payment from your loan, by signing and sending us the tax invoice from your supplier or installer, showing:
- Upgrade details (where applicable) including make and model; and
- Their company name and trades’ license number; and
- The property address for the installation; and
- Confirmation that the upgrade has been successfully installed at the property
Eligible products
- Solid core doors, drop bolts and heavy-duty hinges to withstand wind loads
- Windows for improved wind rating (including water penetration performance), including window seals and configuration of weep holes
- Cyclone screens or shutters over windows to protect from debris
- Over batten roofing system
- Replace rusted or rotten structures (e.g. a rotten timber batten)
Must be:
- Installed by a licensed tradesperson; and
- Installed in accordance with National Construction Code (NCC) guidelines
Evidence when applying
Provide a quote from your supplier or installer, showing:
- Upgrade details (where applicable) including make and model; and
- Their company name and trades’ license number; and
- The property address for the installation
Evidence for payment
Request payment from your loan, by signing and sending us the tax invoice from your supplier or installer, showing:
- Upgrade details (where applicable) including make and model; and
- Their company name and trades’ license number; and
- The property address for the installation; and
- Confirmation that the upgrade has been successfully installed at the property
Frequently asked questions
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Can I borrow more than $50k?
No. The maximum loan amount is $50,000. If your eligible sustainable upgrades exceed this amount, you’ll need to cover the difference using your own funds.
Can I have more than one Sustainable Upgrades home or investment loan for my property?
Only one Sustainable Upgrades loan is available for a property.
What if I have an unpaid invoice but no quote?
Book an appointment with a lender. You may still qualify for approval if your invoice is yet to be paid.
What if my supplier or installer needs an upfront payment?
If an upfront deposit is required, you'll need to pay this amount from your own funds. When your loan is open and you’ve received the final invoice, please send it to us to request payment. Once it is approved for payment, we’ll reimburse you for any deposit paid showing on the invoice, and then pay your supplier or installer the outstanding balance.
Information available that may assist for any issues with your upgrades
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