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.

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.

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.

• 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 October 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 before deciding to apply.

To get the $300 cashback:

Online
Apply online by 30 September 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 30 September 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 October 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.

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 30 September 2026
• The loan must be approved, and the funds drawn down to be eligible for the offer. By 22 October 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 Tool.