Mortgages
Green Mortgages
Better rates and cashback for energy-efficient homes, and smart borrowing to make yours greener. Whole-of-market advice for high-net-worth and complex clients.
A green mortgage rewards you for owning, buying or improving an energy-efficient home, with preferential rates, cashback or low-cost borrowing for upgrades. We find the right option across the market, from new-builds to period properties.
The benefits
Lower rates
Preferential rates for homes with a strong EPC rating.
Cashback
Cashback on completion with many lenders.
Green borrowing
Interest-free or low-cost lending for improvements.
It starts with your EPC
Where your home sits
Energy Performance Certificate ratings run from A, the most efficient, to G. The best green rates go to homes rated A or B, with a growing number of lenders now accepting a high C. The national average is D, so a few targeted improvements can move you into green-rate territory.
A
B
C
D
E
F
G
How it works for you
New-build and high-value homes
Often rated A or B and eligible for green rates from day one, including on private-bank lending for larger loans.
Older, period and listed homes
Harder to rate, but we know the lenders who are flexible and the improvements that unlock green options.
Improving your home
Fund insulation, glazing, solar and heat pumps with green borrowing, often interest-free. Landlords can also get ahead of tightening EPC rules.
We compare mainstream, specialist and private-bank lenders, including Barclays, NatWest, Halifax, Nationwide and Santander.
Ritesh Sood holds the Certificate in Financing Greener Homes, an LIBF-accredited CPD programme, so your advice comes from an adviser formally trained in financing energy-efficient homes.
Common questions
What EPC rating do I need?
Usually A or B for the best rates, although some lenders now accept a high C. We will tell you exactly where you stand and what, if anything, is worth improving first.
Are green rates always cheaper overall?
The headline discount is modest, but combined with cashback and lower running costs the savings add up. We compare the true overall cost, not just the rate.
Can I borrow to make my home greener?
Yes. Several lenders offer interest-free or low-cost borrowing for approved improvements such as insulation, solar and heat pumps.
Speak to a green mortgage adviser
Find out whether your home qualifies, and how much you could save.
Get in touch →Your home may be repossessed if you do not keep up repayments on your mortgage. Green mortgage rates, cashback and lending criteria vary by lender and are subject to status and property assessment.