Ethical lending

build a brighter future for you, and the earth.

Access finance solutions you can feel good about.

planet-friendly lending solutions.

Ethical lending is more competitive than ever, which means you can secure finance in a way that meets all your needs.

You have the power to vote with your wallet to ultimately put pressure on big companies to divest from fossil fuels and other industries that harm people and our planet.

Pretty cool. huh?
We'll help you achieve your financial goals without sacrificing your values.

ethical lending, anyone?

Never has there been a better time to consider the importance of who you bank with. Have you ever asked yourself if your bank is Ethical or Green and what impact your banking decisions have on the environment? Although ethical banking may not be the first priority that comes to mind when you’re looking for a home loan, now’s a great time to start thinking about it. A socially responsible lender can reduce our carbon footprint and, at the same time, many lenders are finding that it creates a sustainable business model for their shareholders, and a positive experience for homeowners looking for a mortgage.
That’s win-win in our eyes!!
Here's what ethical lenders have in common


An ethical lender is socially responsible and practices values-based banking, promoting a sustainable future.


An ethical lender does not lend money to fossil fuel companies and the coal or gas sectors.

People over profit

Ethical lending has operations which do not extend to deforestation, animal cruelty, and weapons.

so how big is the problem?

Our friends at Market Forces have researched the extent of the problem, and – more promisingly – highlighted just how many banks don't support fossil fuel industries.


Billion dollars loaned to fossil fuel companies between 2016 and 2020 by the Big 4 banks


Banks in Australia that haven't loaned to fossil fuel companies since 2016

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Let's find out how we can help you.

Frequently Asked Questions

Learn about ethical lending and what it means for you

How do I find out which banks are ethical or environmentally friendly?

There are a range of resources you can rely on to understand whether the bank you are using or considering using supports the things that matter most to you.

The best of these is Stellar Finance Group! We have a range of lenders available who offer ethical lending options and as a business, we choose not to invest in polluting or unethical industries.

There are also a range of lenders who offer “green” loans or products. This means the bank itself might still be involved in the fossil fuel and other unethical industries. Despite this, they are offering options for consumers to invest in renewable energy directly or through the purchase of renewable energy assets.

Why does it matter?

Ethical lending extends beyond the rate and repayments.

It connects you with the values you hold and what matters most to you. If the interest you pay on loans is invested according to the banks interests and these differ from your own, then we understand this is a disconnect for you and one you may not feel good about.

We can help those interests align by sourcing lenders that invest according to your key beliefs.
We are the conduit between our customers and sourcing funds they can feel good about.

What can I do?

If you feel very passionate about ethical finance, then where you put your money matters.

This applies to both your savings and investments, along with who you borrow from. So, if you want to support an ethical bank then the things you can do include:

– Moving your savings and transaction accounts across to an ethical bank.
– You can ensure your superannuation is invested with an ethical fund too.
– Using an ethical lender for your personal lending needs such as credit cards and home loans - this is where we come in!

I'm ready to take action. Now what?

If you want to feel good about your finances, we have a range of lenders on our panel who are environmentally and ethically minded just like you.

If you’d like to look at home loan options from an ethical bank and not compromise on quality, rate or service, then get in touch today. We have got you sorted.

Please give us a call on 7900 9305 or book a meeting today to see how we can help.

Why use a stellar finance group broker?

Having access to an experienced mortgage broker will enable a thorough review of your assets, liabilities, income and expenses independent of your ex-partner. It will equip you with a solid understanding of what you can and can’t afford before you go in to negotiate.

Lisa Bridgett, our Principal Broker will help you navigate this process. She is an expert mortgage broker who's excited to help people reach their goals in a way that they can feel good about.
assess your needs and income upfront
calculate your borrowing capacity and what you can afford
identify best lender option that suits your unique situation
manage the end to end refinance process

hear from our clients

Get Started Today

Ready to secure an ethical lending solution? Get in touch to understand your options
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45 Evans St, Balmain NSW 2041
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Stellar Finance Group are used by ambitious people who want straight-talking guidance, personalised service, and amazing outcomes. We help ambitious people in Sydney - and beyond - achieve their big dreams!
Savvy Finance Pty Ltd ABN 85625275667 is authorised under LMG Broker Services Pty Ltd Australian Credit Licence 517192.
The information provided on this site is on the understanding that it is for illustrative and discussion purposes only. Whilst all care and attention is taken in its preparation any party seeking to rely on its content or otherwise should make their own enquiries and research to ensure its relevance to your specific personal and business requirements and circumstances. Terms, conditions, fees and charges may apply. Normal lending criteria apply. Rates subject to change. Approved applicants only.
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