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Supporting Our Planet

ETHICAL HOME LOANS

Finance That Aligns With Your Values

Looking for a home loan that supports your future, not industries you disagree with?

Many home buyers in Melbourne and Australia-wide want to understand whether they can align their finance with their values without compromising flexibility or competitiveness. If ethical finance is important to you, we can help you explore those options. We work with a range of lenders, including customer-owned and fossil-free banks and walk you through the pros and cons so you can decide what feels right.

UNDERSTANDING THE OPTIONS

What Is Ethical Lending?

Ethical lending refers to banks and lenders that apply environmental, social or governance principles to how they operate and invest.

This can include:

Fossil-fuel-free banking policies

Customer-owned banking models

Responsible investment practices

Community-focused lending

Greater transparency around where money is invested

For some borrowers, these values are an important part of choosing a lender. For others, rate, policy flexibility or turnaround time may still take priority. Our role is to help you compare both.

FIND OUT WHICH BANKS AND LENDERS
DO AND DON'T SUPPORT FOSSIL FUELS

Ethical Lending Options We Commonly Discuss

Depending on eligibility and scenario, we may compare:
  • Customer-Owned Banks
  • Fossil-Fuel-Free Lenders
  • General Lenders

Every lender has different:

  • Credit policies
  • Approval speeds
  • Rates
  • Property requirements
  • Borrowing calculations
We help you understand how those differences affect your outcome.

Frequently Asked Questions

Yes. All lenders change their rates from time to time but we will look at the rates at the time of the application. It is a very competitive market between the different lenders! In short, there are many ethical lenders with very competitive rates.
No. Generally speaking, virtually all of the lenders are so much more efficient than 5-10 years ago. We’ll explain expected approval timeframes upfront and compare alternatives where needed.
Many do, although features vary between lenders and products. We’ll compare the available options based on how you plan to use the loan.
Yes. Policy flexibility varies significantly between lenders, particularly for self-employed or complex income scenarios. We’ll help identify suitable options.
Customer-owned banks are owned by customers rather than shareholders. Many position themselves around community outcomes, responsible banking and member-focused service.

Explore Your Options

Whether you’re buying your first home, refinancing, renovating or reviewing your current loan, we can help you compare suitable lender options including ethical and customer-owned ones where appropriate.
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Supporting Our Planet

We're passionate about the environment at Finance for Living

Simon has been trained by Al Gore (former Vice President of the USA) and delivered many updated presentations of the 2006 “An Inconvenient Truth” documentary to different groups in the community. We receive many requests from clients to use lenders which do not fund fossil fuels.

FIND OUT WHICH BANKS AND LENDERS DO AND DON'T SUPPORT FOSSIL FUELS

Environmental Sustainability and Your Mortgage

If you’re passionate about the future of our environment you may be pleasantly surprised to know that you can choose a mortgage through a bank that doesn’t invest in or finance investment in fossil fuels.

Want to Know More?
We're here to help