Green Mortgages: What They Are and How They Could Save You Money

As the UK moves toward a greener future, lenders are introducing green mortgages—designed to reward energy-efficient homes.

What Is a Green Mortgage?

A green mortgage is a product that offers better terms—like lower interest rates or cashback—if the home you’re buying (or already own) meets certain environmental standards, usually an EPC rating of A or B.

Who Offers Them?

Several high-street and specialist lenders now provide green mortgage options, often tied to new builds or energy-efficient upgrades.

Benefits of a Green Mortgage

• Potentially lower interest rates

• Cashback incentives

• Supports sustainable living

• Can You Get One for an Older Property?

Some lenders allow you to qualify for a green mortgage if you commit to eco-improvements such as:

• Installing insulation

• Upgrading to double glazing

• Fitting solar panels or energy-efficient heating

Worth Considering?

If you're already looking at a high-efficiency home, it’s absolutely worth exploring green mortgage deals. Speak to a broker to see which lenders offer them and whether you qualify.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE