28 Apr 2026
Green Mortgages | Rewards and Benefits
Mortgage lenders are starting to recognise their “Green” responsibilities when it comes to the different products they offer. Take a look below:
- Virgin Money - offers a better interest rate on new-build homes with an EPC rating of A or B, where your loan-to-value (LTV) is 85% or less. Current borrowers can get £250 cashback if borrowing to make "green" home improvements.
- Halifax - will give £250 cashback if you are buying or remortgaging a property with an A or B EPC rating. They will also give up to £2,000 if borrowing funds to improve the energy efficiency of the home.
- NatWest offers a better interest rate if you buy or remortgage a property with an EPC rating of A or B and an LTV of 85% or less.
- TSB - will give £250 cashback if buying a house with an EPC rating of A or B.
- Barclays - offers a better interest rate with an EPC rating of A or B (buying directly from the builder or developer). Existing customers can receive up to £2,000 return if borrowing funds to make green improvements to the home.
- Nationwide - will give £500 if buying a property with an "A" rating, or £250 with a "B" rating. They will also allow you to borrow £5,000 and £20,000, interest-free on a two or five-year fixed deal if making "green" improvements to your home.
- Co-operative Bank - offers a better rate if buying a property with an EPC rating of A or B on an 80-95% LTV.
- Leeds Building Society - offers a better interest rate to existing mortgage holders and wants to borrow more funds to make "green" home improvements.
- Coventry Building Society - will give existing customers lower interest rates when borrowing up to £25,000 for energy efficiency improvements (borrowers must use at least half of the additional funds for improvements).
Terms and conditions apply.
Get in touch with the Mortgage Required team to find out more about the benefits of a "green" mortgage: 01628 507477.
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