An efficient home can earn you a greener rate.
A green mortgage rewards you for buying or owning an energy-efficient home — typically one with an EPC rating of A or B — with a lower interest rate, cashback, or a higher borrowing limit. As lenders price in energy costs and efficiency rules tighten, green deals are growing fast. As a whole-of-market, FCA-authorised brokerage, we find the best green mortgage for your property, contractors included.
- TypeResidentialOwner-occupier lending
- Deposit / equity5–25%+Depends on the scheme and rate
- ServicePhone · video · emailAdvised around your schedule
- AdviceWhole-of-marketDirectly FCA authorised
How green mortgages work
Most green mortgages require an EPC of A or B — common on new builds — and in return offer a small rate discount, cashback of a few hundred pounds, or slightly more generous affordability. Some lenders also reward efficiency improvements you make after purchase, evidenced by a new EPC.
New builds and green deals
New-build homes almost always qualify, so a green mortgage often pairs with a new build purchase. First-time buyers can combine it with first-time buyer routes.
Retrofit and remortgaging greener
Improved your home's efficiency — insulation, heat pump, solar? Some lenders offer green remortgage deals or additional borrowing for further improvements. See remortgage and capital raising.
Landlords and EPC rules
For landlords, minimum energy-efficiency standards matter increasingly — a greener property protects future lettability. See buy-to-let and portfolio landlord.
Contractors and green mortgages
Your day-rate or self-employed income is assessed the specialist way — see IT contractors — then matched to the best green deal your property qualifies for.
Lenders offering green deals — a selection
Lender guides: Halifax · Barclays · HSBC · NatWest · Nationwide · Accord · Clydesdale · Yorkshire BS · Kensington See how we place cases →
Green Mortgages, answered
What is a green mortgage?+
It's a mortgage that rewards an energy-efficient home — usually EPC A or B — with a lower rate, cashback or higher borrowing than the lender's standard equivalent.
What EPC rating do I need?+
Most green deals require an EPC of A or B. New builds usually qualify; older homes may need improvements and a fresh EPC.
Are green mortgages actually cheaper?+
They can be, through a rate discount or cashback, though the saving varies by lender. We compare the green deal against the wider market to be sure it's genuinely better.
Can I get a green mortgage on an older home?+
Sometimes, if you can raise the EPC to A or B, or via a green remortgage or improvement borrowing. We'll check what your property qualifies for.
Do green mortgages help landlords?+
Yes. An efficient property can access green buy-to-let deals and is better placed for tightening minimum energy-efficiency standards.