Westpac & Origin
Looking to make energy efficiency upgrades to your home? We've teamed up with Origin to save you the energy.
A shift towards energy independence, sparked by Origin and Westpac
Save time
Get up to 3 quotes on Origin batteries, solar, EV chargers and heat pumps, from Origin’s network of approved local installers.
Access offers
Get a cool interest rate discount on our Sustainable Upgrade home loan. Or an Unsecured Personal Loan cashback offer.
Save energy
Estimate your energy bill reduction with the Cogo tool. And see what government rebates you could get.
Choose home energy upgrades from Origin
Solar
Battery
EV charger
Heat Pump
Cool rates to fund your sustainable Origin home upgrade
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Sustainable upgrades home loan
Backed by the Clean Energy Finance CorporationAlready got a Westpac home loan or investment loan with a balance of at least $150k? You could add this second loan, secured against the property.
Variable interest rate3.99%p.a.Comparison rate^3.99%p.a.Principal & Interest repayments. One Sustainable Upgrades home or investment loan per property. Combined loan amounts must not require LMI. Eligibility, T&CS apply.
- Tick - Borrow $4k to $50k
- Tick - For eligible battery, solar, EV charger and hot water heat pump
- Tick - $0 loan establishment fees, $0 monthly account fees
- Tick - $0 fees for unlimited extra repayments
- Tick - Loan term up to 10 years
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Personal Loan: home energy upgrades
$300 cashback energy upgrade offerApply online now in under 15 minutes, with funds in as little as 1 business day.
Fixed interest rate from7.00%p.a.Comparison rate from*8.41%p.a.Your actual rate may be different, and will range between 7.00% p.a. and 21.99% p.a. Eligibility, fees, T&Cs apply.
- Tick - $300 cashback for eligible customers
- Tick - Borrow $4K to $50K
- Tick - For battery, solar, EV charger and/or hot water heat pumps
- Tick - $0 extra repayment fee#
- Tick - $250 establishment fee##
- Tick - $15 monthly fee
- Tick - Flexible repayments options
- Tick - Loan term up to 7 years
How to apply for your Westpac Loan
Sustainable Upgrades home loan
If you have Westpac home or investment loan over $150k, or you’re unconditionally approved for one, you can apply for this extra loan.
1. Get your quote
Visit Origin’s offer page for up to 3 quotes from a network of installers. Unsure which upgrades to get? Estimate your energy bill reduction with the Cogo tool.
The Home Energy Efficiency Tool (the Tool) is offered by Cogo and not Westpac Banking Corporation (Westpac). The Home Energy Efficiency Tool is not exclusive to Westpac customers. Use of the Tool is not required to apply for a Sustainable Upgrades Home or Investment Loan.
By accessing Cogo's Tool, you will enter a third-party site not owned by Westpac. Any personal information you provide to Cogo's website will be collected, used and disclosed in accordance with Cogo's Privacy Policy, also available on their website.
Cogo is responsible for the accuracy and completeness of the information provided by the Tool. Westpac gives no representation, warranty, or guarantee (including as to the quality, accuracy or completeness) of the information. You can access Cogo’s disclaimer on their website.
Westpac has paid Cogo a fee for the provision of the Home Energy Efficiency Tool. Cogo is not a referral partner of Westpac for consumer credit, including in relation to the Sustainable Upgrades Home Loan (SUHL). Westpac does not and will not pay or receive any commissions to or from Cogo for customers who take up the SUHL. Cogo will not provide any credit assistance to Westpac customers.
You should carefully consider whether the information provided by Cogo is suitable for your situation. We recommend seeking independent professional assessments and obtaining quotes to ensure the upgrades are appropriate for your home and local climate before making any changes.
2. Get the green light
To apply, speak with a lender. You’ll need your Origin quote for your loan application.
3. Supply your invoice
After loan approval and upgrade installation, share your invoice(s) so we can pay each supplier or installer.
What to provide
The usual loan application docs (income, expenses, assets, liabilities).
You'll have two separate loans
You’ll be managing your Westpac home/investment loan, and your new Sustainable Upgrades home/investment loan.
What you need to be eligible
- You must have or be approved for a Westpac home or investment loan with a minimum loan size of $150k
- The property securing your Westpac home or investment loan must be the property being upgraded for energy-efficiency or climate-resilience
- Your combined loan amounts do not require lenders mortgage insurance (LMI).
For full details, visit Sustainable Upgrades home loan.
Here’s how to apply.
1. Get your quote
Visit Origin’s offer page for up to 3 quotes from a network of qualified, trusted installers.
2. Get the green light
Use your Origin quote to decide how much to borrow and apply online. If applying in-branch or by phone on 132 651 (8am - 8pm, 7 days a week), you will need to mention the promo code 'GLO’ for the $300 cashback offer.
3. Pay installer
After loan approval and upgrade installation, simply draw down from your loan to pay your Origin-approved supplier or installer. Please note, funds can only be used for eligible home energy upgrades.
Key fees
- $250 lending establishment fee added to your loan amount.
- $15 monthly loan account fee.
Other fees
- $175 prepayment fee if you choose a term greater than 2 years, and pay it out in less than 2 years (waived if you pay out your personal loan by re-financing to another Westpac personal loan).
- $15 missed payment fee.
- $10 bank cheque fee.
What happens after applying
- If we need more info, we’ll call or email you. You may need to email us some documents to verify.
- Once verified and approved, you'll get an email within 2 business days to view your contract and accept it online.
- Unconditional approval is valid for 60 days. So, you might want to apply closer to your installation date.
- New to Westpac? We’ll also need to verify your ID in a branch.
- If you’ve chosen to have your funds transferred to your Westpac transaction account, accept the contract online and you can access funds in your Westpac account within 1 hour.
- Chosen another account? Allow up to 3 business days to access your funds.
- If eligible, you’ll receive $300 cashback from Westpac. By 22 July 2026, we’ll pay the cashback into the same transaction account your loan funds go into.
For full details and application tips, visit our Personal Loan page.
Please read the full Personal Loan Contract Terms and Conditions (PDF 268KB) before deciding to apply.
To get the $300 cashback:
Online
Apply online by 23 May 2026 directly from this promo page. You can also apply from our Personal Loan for home energy upgrades page.
By phone or in person
- Call 132 651 (8am - 8pm, 7 days a week), or visit your nearest branch.
- Mention the promo code “GLO"
- Apply for a new Westpac Unsecured Personal Loan from 23 March 2026 and accept your contract by 23 May 2026.
- Use the loan funds for eligible batteries, solar, EV chargers or hot water heat pumps through Origin Energy.
- The loan must be approved, and the funds drawn down to be eligible for the offer. By 22 July 2026, we’ll pay the cashback into the same transaction account your loan funds go into.
Important loan details. Credit criteria, fees, charges and terms and conditions apply. Loan approval isn’t guaranteed. Unconditional approval is valid for 60 days, so you might want to apply closer to your installation date. You can’t use this offer with other offers or discounts. We may change or withdraw this offer at any time. Government rebates may not always be available, check with your government or installer.
Frequently asked questions
Absolutely. You can combine eligible upgrades, like Origin solar, a battery and EV charger, into a single Westpac loan for home energy upgrades up to $50k.
Sustainable Upgrades home loan rate
You have (or you’re unconditionally approved for) a Westpac home or investment loan over $150k.
Your quote is from one of our approved providers, like Origin.
Personal Loan $300 cashback
Apply online directly from this promo page. You can also apply from our Personal Loan for home energy upgrades page.
Or call 132 651 (8am - 8pm, 7 days a week), or visit your nearest branch. And mention the promo code “GLO"
Apply from 23 March 2026 and accept your loan contract by 23 May 2026
The loan must be approved, and the funds drawn down to be eligible for the offer. By 22 July 2026, the cashback payment will be paid into the transaction account which the loan funds are disbursed into.
From time to time there may be government rebates available. Be sure to discuss this with your installer when you get your quote.
You can also estimate any available government rebates using third-party platforms, like the Cogo online tool.
Things you should know
Conditions, credit criteria, fees and charges apply. Residential lending is not available for Non-Australian Resident borrowers.
This information is general in nature and has been prepared without taking your objectives, needs and overall financial situation into account. For this reason, you should consider the appropriateness of the information to your own circumstances and, if necessary, seek appropriate professional advice.
Please consider your individual circumstances before applying for a Westpac Sustainable Upgrades home loan or an Unsecured Personal Loan. Credit criteria, fees, charges, terms and conditions apply. Information is correct as of 18 March 2026.
Taxation considerations contained in this page are general in nature. They do not take into account your personal circumstances and they should not be interpreted or used as tax advice or a tax guide. You should seek independent tax advice to determine the appropriate tax consequences relevant to your circumstances before making any decision based on this information.
Sustainable Upgrades Home and Investment Loans
^Sustainable Upgrades home loan and Sustainable Upgrades investment loan comparison rate: The comparison rate is based on a loan of $30,000 over the term of 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Personal Loan for Home Energy Upgrades
*Personal Loan for home energy upgrades comparison rates: Comparison rates help you understand the true cost of a loan. All comparison rate examples shown are for a personal loan amount of $30,000 and a term of 5 years. WARNING: Comparison rates apply only to the example or examples given and may not include all fees and charges. Different loan amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
Unsecured Personal Loan repayment terms range from 1 to 7 years. Interest rate ranges and representative examples are based on an unsecured loan of $30,000 borrowed for 5 years with the interest rate of 7.00% p.a. (comparison rate 8.41% p.a.), the estimated total amount payable including fees is $36,839. The actual rate offered may be higher or lower than the comparison example above. Rates currently range from 7.00% p.a. to 21.99% p.a. (comparison rate from 8.41% p.a. to 23.28% p.a.)
#Prepayment fee: If you choose a term greater than 2 years for a Westpac Personal Loan, and pay it out in less than 2 years, there is a prepayment fee of $175. This fee is waived if you pay out your personal loan by re-financing to another Westpac personal loan.
##The lending establishment fee will be added to your loan amount. Please read full terms and conditions before making a decision to apply for a Westpac Personal Loan.
^^To get the $300 cashback:
Online:
Apply online by 23 May 2026 directly from this Personal Loans for home energy upgrades page. You can also apply from our Origin offer page.
By phone or in person:
Call 132 651 (8am - 8pm, 7 days a week), or visit your nearest branch.
Mention the promo code “GLO"
Apply for a new Westpac Unsecured Personal Loan from 23 March 2026 and accept your contract by 23 May 2026.
Use the loan funds for eligible batteries, solar, EV chargers or hot water heat pumps through Origin Energy.
The loan must be approved, and the funds drawn down to be eligible for the offer. By 22 July 2026, we’ll pay the cashback into the same transaction account your loan funds go into.
Important loan details. Credit criteria, fees, charges and terms and conditions apply. Loan approval isn’t guaranteed. Unconditional approval is valid for 60 days, so you might want to apply closer to your installation date. You can’t use this offer with other offers or discounts. We may change or withdraw this offer at any time. Government rebates may not always be available, check with your government or installer.
Origin: Westpac and Origin Energy have a referral arrangement. If you ask Origin Energy for a quote for energy upgrades, they send you to SolarQuotes. SolarQuotes is a subsidiary of Origin Energy. SolarQuotes is separate from Westpac. It gives you quotes from installers. Westpac is a credit provider that may provide financing for your energy upgrades.
What this means for you
SolarQuotes runs an online platform. Any details you enter into the SolarQuotes platform goes to Origin Energy and SolarQuotes, not Westpac. SolarQuotes and Origin Energy each have their own Privacy Policy. This can be accessed on their websites. This details how they manage your personal info.
You choose the installer you want. You must also check that the installer has a licence.
Important details
Westpac does not pay commissions to, or receive commissions from, Origin Energy or SolarQuotes.
Westpac is a credit provider. Westpac holds an Australian Financial Services Licence and an Australian Credit Licence (233714).
Origin Energy is an energy provider. Its subsidiary, SolarQuotes, helps customers find installers. These companies are not part of the Westpac Group.
Westpac does not promise anything about the quality or safety of installers found through them. We have not checked or approved these installers or their licences.
Their products and services are not exclusive to Westpac.