Conventional view
Property plus mortgage
A conventional assessment often stops at the dwelling and the repayment. The rest of the household economy stays off the page.
Property
Mortgage
Negawatt Mortgage
A better mortgage starts with a better home.
A smarter way to finance the whole cost of owning a home. Evaluate by the cost to own and operate, not only the repayment.
This site
Education, modelling and expressions of interest for Australian households.
Not a live lender. Not credit assistance. Not pre approval. Not an offer of credit.
Household reality
What a household actually pays
Energy, comfort, hot water, transport, fuel, maintenance and replacement sit beside the mortgage every month.
- Energy
- HVAC
- Hot water
- Transport
- Fuel
- Maintenance
- Replacement
Negawatt view
The whole household economy
Negawatt Mortgage looks at the cost to own and operate. Finance is judged against that full monthly picture, not the repayment alone.
Signature metric: Total Monthly Household Cost.
Signature metric
Total Monthly Household Cost
Every figure on this page is an illustrative scenario only. The Negawatt view can include improvement finance, so the total can be higher or lower. Savings are not guaranteed.
Conventional
Illustrative scenario only
$4,599
per month
- Mortgage$3,453 Illustrative scenario only
- Electricity$217 Illustrative scenario only
- Gas$92 Illustrative scenario only
- Fuel$504 Illustrative scenario only
- Vehicle servicing$150 Illustrative scenario only
- Insurance$183 Illustrative scenario only
Illustrative scenario only
Negawatt
Illustrative scenario only
$5,582
per month
- Mortgage$4,467 Illustrative scenario only
- Fuel$252 Illustrative scenario only
- Vehicle servicing$129 Illustrative scenario only
- EV charging$59 Illustrative scenario only
- Improvement finance$470 Illustrative scenario only
- Insurance$183 Illustrative scenario only
Illustrative scenario only
Negawatt home systems
The dwelling as an operating system
These are the systems a Negawatt home can include. Not every borrower receives every technology. The package follows the dwelling, the household, and what can be verified later.
01
HVAC
Efficient comfort
02
Heat pump hot water
Electrified heat
03
Solar
On site generation
04
Battery
Stored energy
05
EV
Household mobility
06
Appliances
Efficient demand
07
Controls
Timed operation
08
Fabric
Insulation and shell
09
Measurement
Observed use
10
PCT
Performance control
Pathway
Existing home
Start from the home you have or the home you hope to buy. Model the household economy. Then register interest if you wish to continue the conversation.
Pathway
New home
A new dwelling can be specified so comfort, energy and mobility are designed in. Model that household economy before you register interest.
Who this is for
Choose a situation. Open an indicative scenario or register your interest.
First home buyer
See the cost to own and operate, not only the repayment, before you register interest.
Existing homeowner
Model how a better performing home could change the monthly household economy.
New home buyer
Compare a conventional new dwelling with a Negawatt specified household economy.
Growing family
Energy, hot water, comfort and transport often move together as a household grows.
Regional or outer urban
Distance and older fabric can dominate running cost. Model the whole picture.
Conservation
Modelled use is not verified use. We keep those words apart.
FutureNWT
One NWT is one megawatt hour of verified avoided energy use.
Under developmentShared instrument
You do not give Negawatt equity or ordinary property appreciation.
Potential principal acceleration
If modelled operating savings eventuate, a portion may later be directed toward principal. That is potential only. It is not automatic. It is not a promised reduction in term or interest.
Capital is organised with institutional partners. Household pages on this site are for people exploring the cost of owning a home. They are not an invitation to invest. Capital Partners