Ethical investment in renewable energy

Earn attractive, sustainable returns by investing in green loans for Australian homes.

Start investing with as little as $10 and earn up to 6.1%

Invest in loans to creditworthy borrowers purchasing clean energy products for the home, on the road and in businesses.

18,000+

Registered investors

$50M+

Clean energy loans funded

$10

Minimum investment

100%

Principal and interest
returned as due

WHY INVEST WITH RATESETTER

A sustainable, stable asset class that supports a cleaner planet

Strong, attractive returns

You can earn up to 6.1% by investing in a portfolio of green loans to creditworthy borrowers. We have a 100% track record of delivering all principal and interest due.

Stable asset class

Consumer loans should not be the sole dominion of large financial institutions. We give everyday Australians the opportunity to enjoy the stable returns offered by consumer finance.

Retail and institutional investors

Existing investors in RateSetter’s clean energy lending markets include several Australian banks and the Federal Government Clean Energy Finance Corporation (CEFC). The CEFC has committed to invest $20 million in the National Clean Energy lending market and $100 million in the SA Renewable Energy market.

MANAGING INVESTMENT RISK

The market leading Provision Fund helps protect your investment

While we only match investors with loans to creditworthy borrowers, RateSetter offers a unique, additional buffer to help manage risk – the Provision Fund.

Each borrower pays a fee into the Provision Fund, a pool of funds held in cash by a separate trustee. In the event a borrower misses a repayment or defaults on their loan, the Provision Fund can step in to protect investors. Whilst the Provision Fund has a 100% track record of protecting investors, it is not a guarantee.

$16,346,661

Provision Fund buffer*

100%

Principal and interest
returned as due

Investing is as simple as 1,2,3.

Register

Register with us

Complete your registration online in minutes. You can register individually or as a company or SMSF trustee.

Deposit funds

Transfer in funds

Transfer funds through BPAY or bank transfer. Funds typically arrive the next business day.

Place order

Invest in loans

Choose the lending market you want to invest in, set your rate and get matched with creditworthy borrowers.

You’ve got questions we’ve got answers.

What kinds of loans are funded through the National Clean Energy market?

Lending orders in the National Clean Energy lending market are matched to loans where the purpose of the loan is to finance the purchase and/or installation of an Approved National Clean Energy Product, which includes:

  • Air source heat pumps
  • Batteries for solar systems
  • Energy efficient air conditioning
  • Low energy lighting
  • Variable frequency drives
  • Green industrial technology
  • Hybrid cars and trucks
  • Power factor correction devices
  • Solar panels
  • Solar water heaters

For more information about Approved National Clean Energy products see Section 15 of our Product Disclosure Statement.

Loans funded through the South Australia Clean Energy market are for the purchase of Approved National Clean Energy products where the borrower has been approved for a subsidy under the South Australia Home Battery Scheme.

Do I get to choose the specific National Clean Energy products or borrower that I wish to fund?

No. You do not choose the borrowers or loans to which your funds are matched. Rather, you choose how much you wish to invest in the National Clean Energy lending market, and at what rate. Our peer-to-peer lending information technology systems automatically match your funds to the loans of borrowers that are seeking finance to purchase/installation of an approved National Clean Energy product and have met our loan underwriting requirements.

What are the terms of loans funded through the National Clean Energy lending market?

Loans funded through the National Clean Energy lending market or the SA Renewable Energy lending market have an indicative term of 7 years, though loans may be 3 to 7 years in term.

”Earn up to” rate represents the last matched rate in the 5 Year Income lending market as at 7am, 6 December 2019. Rates are not set by RateSetter and are subject to supply and demand of borrower and investor funds in each market.

^Rates shown are last matched rates, displayed on an annualised basis and net of applicable fees as at 7am, 6 December 2019. Lender rates may assume payments received are continually reinvested at the stated rate and assume your investment is protected by the Provision Fund in the event of any borrower late payment or default, however, there is no guarantee nor warranty as to any protection from the Provision Fund. Fees apply for using early access feature. See the Product Disclosure Statement for details.

*The Provision Fund buffer is the sum of money held in the Provision Fund and the expected Provision Fund future inflows from outstanding loans due over the lifetime of loans, adjusted to reflect expected early repayments, payment holidays and bad debt. Whilst we’re extremely proud of the Provision Fund’s 100% track record, it is not a guarantee of future performance. Capital is at risk. Read the Product Disclosure Statement for more information.

Provision Fund is not a guarantee, capital at risk. Read more about our Provision Fund.