{"id":2883,"date":"2025-07-01T14:39:46","date_gmt":"2025-07-01T13:39:46","guid":{"rendered":"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/?page_id=2883"},"modified":"2025-07-01T16:03:24","modified_gmt":"2025-07-01T15:03:24","slug":"green-mortgages","status":"publish","type":"page","link":"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/mortgage-types\/green-mortgages\/","title":{"rendered":"Your guide to green mortgages"},"content":{"rendered":"<div class=\"c-contents js-toggle c-contents--open\" id=\"\" data-toggle-active=\"c-contents--open\">\n    <button class=\"c-contents__header js-toggle-trigger\">\n        <h2 id=\"contents\" class=\"c-contents__title\">Contents<\/h2>\n        <svg class=\"c-icon c-icon--chevron-line-down c-contents__header__chevron\"><use xlink:href=\"#icon-chevron-line-down\"><\/use><\/svg>    <\/button>\n    <div class=\"c-contents__body js-contents-body\">\n        <div class=\"row\">\n            <div class=\"col-12 col-md-6\">\n                <ul class=\"list-unstyled mb-0\"><li><a href=\"#green-mortgage\" target=\"\" class=\"text-decoration-none c-link\">What is a green mortgage?<\/a><\/li>\n<li><a href=\"#who-qualifies\" target=\"\" class=\"text-decoration-none c-link\">Who can get a green mortgage?<\/a><\/li>\n<li><a href=\"#benefits\" target=\"\" class=\"text-decoration-none c-link\">What are the benefits of a green mortgage?<\/a><\/li>\n<li><a href=\"#broker\" target=\"\" class=\"text-decoration-none c-link\">Can I speak to a mortgage broker about green mortgages?<\/a><\/li><\/ul>            <\/div>\n            <div class=\"col-12 col-md-6\">\n                <ul class=\"list-unstyled mb-0\"><li><a href=\"#lenders\" target=\"\" class=\"text-decoration-none c-link\">Do all lenders offer green mortgages?<\/a><\/li>\n<li><a href=\"#epc\" target=\"\" class=\"text-decoration-none c-link\">Do you need an EPC to get a green mortgage?<\/a><\/li>\n<li><a href=\"#application\" target=\"\" class=\"text-decoration-none c-link\">Application process for green mortgages<\/a><\/li>\n<li><a href=\"#interest-rates\" target=\"\" class=\"text-decoration-none c-link\">Do green mortgages have lower interest rates?<\/a><\/li><\/ul>            <\/div>\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<p>Green mortgages &#8211; sometimes also called eco mortgages &#8211; are mortgage loans specifically designed for financing an energy-efficient property, or to use to pay for <a href=\"https:\/\/www.rightmove.co.uk\/guides\/energy-efficiency\/energy-at-home\/retrofit-green-improvements-cost\/\">energy-efficient upgrades to a home<\/a>. In principle, they\u2019re designed to offer more attractive terms than <a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/mortgage-types\/\">conventional repayment mortgages<\/a>, via things like lower rates, or cashback incentives.<\/p>\n\n\n\n<p>With the UK working towards net zero emissions, sustainable homes are more important than ever &#8211; and more lenders are stepping up to support this shift. According to data from Podium Solutions, the number of green mortgage products available has more than quadrupled since 2022, and is continuing to grow.<\/p>\n\n\n\n<p>So, if you\u2019re wondering how green mortgages work, or if a green mortgage could be a good fit for you, take a look at some of the most frequently asked questions about green mortgages.<\/p>\n\n\n<a href=\"https:\/\/www.rightmove.co.uk\/guides\/energy-efficiency\/energy-performance-certificates\/what-is-an-epc\/\"\n   target=\"\"\n   class=\"c-related-slim\"\n   id=\"\">\n    <div class=\"c-related-slim__icon\">\n                    <img decoding=\"async\" src=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/content\/uploads\/2023\/11\/contents.png\" alt=\"\">\n            <\/div>\n    <div class=\"c-related-slim__body\">\n        <div class=\"c-related-slim__legend\">GREENER HOMES<\/div>\n        <div class=\"c-related-slim__title\">What is an Energy Performance Certificate (EPC)?<\/div>\n    <\/div>\n    <div class=\"c-related-slim__cta\">\n        <svg class=\"c-icon c-icon--arrow-line-right\"><use xlink:href=\"#icon-arrow-line-right\"><\/use><\/svg>    <\/div>\n<\/a>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"green-mortgage\">What is a green mortgage?<\/h2>\n\n\n\n<p>While there\u2019s no solid industry definition of what constitutes a \u2018green mortgage\u2019, this type of eco finance does come in a couple of different forms. Broadly, there are two categories of green mortgage available to borrowers:<\/p>\n\n\n\n<h3 id=\"1-epc-mortgages\" class=\"wp-block-heading\">1. EPC mortgages<\/h3>\n\n\n\n<p>These are available for energy efficient properties that hold a high <a href=\"https:\/\/www.rightmove.co.uk\/guides\/energy-efficiency\/energy-performance-certificates\/what-is-an-epc\/\">EPC rating<\/a>. Typically, properties will need to be EPC rated A or B, with those in lower bands not usually eligible.<\/p>\n\n\n\n<h3 id=\"2-green-home-improvement-loans\" class=\"wp-block-heading\">2. Green home improvement loans<\/h3>\n\n\n\n<p>Unlike EPC mortgages, green loans provide homeowners with the finance to make energy efficient upgrades to properties. Here, funds might be used to upgrade insulation, or replace old single-glazed windows with double glazing.<\/p>\n\n\n\n<p>Ultimately, the goal of this form of green lending is to incentivise going greener at home. Whether that be through offering favourable rates towards financing green improvements, or offering homeowners perks on account of their home\u2019s high <a href=\"https:\/\/www.rightmove.co.uk\/guides\/energy-efficiency\/energy-performance-certificates\/what-is-an-epc\/\">EPC rating<\/a>.<\/p>\n\n\n\n<p>Generally, \u2018green homes\u2019 are considered to be lower risk to a lender. With lower power and heating costs, household expenses are generally lower. This reduces the financial pressures on borrowers, and in turn makes them more likely to meet their mortgage payments \u2013 all of which will be taken into account during the lender\u2019s affordability assessment. Additionally, energy-efficient homes may command higher resale values.<\/p>\n\n\n<div class=\"c-related my-4\" id=\"\">\n    <h2 id=\"related-guides-and-news\" class=\"c-related__title\">Related guides and news<\/h2>\n    <div class=\"row gy-4\">\n                    <div class=\"col-12 col-lg-6\">\n                <div class=\"c-related__item\">\n                    <div class=\"c-related__item-title\">\n                        How do you retrofit a home and how much will it cost?                    <\/div>\n                    <a href=\"https:\/\/www.rightmove.co.uk\/guides\/energy-efficiency\/energy-at-home\/retrofit-green-improvements-cost\/\" target=\"\" class=\"c-related__cta\">Read now<svg class=\"c-icon c-icon--chevron-line-right\"><use xlink:href=\"#icon-chevron-line-right\"><\/use><\/svg><\/a>                <\/div>\n            <\/div>\n                        <div class=\"col-12 col-lg-6\">\n                <div class=\"c-related__item\">\n                    <div class=\"c-related__item-title\">\n                        9 myths about solar panels, debunked                    <\/div>\n                    <a href=\"https:\/\/www.rightmove.co.uk\/guides\/energy-efficiency\/energy-at-home\/solar-panel-myths\/\" target=\"\" class=\"c-related__cta\">Read now<svg class=\"c-icon c-icon--chevron-line-right\"><use xlink:href=\"#icon-chevron-line-right\"><\/use><\/svg><\/a>                <\/div>\n            <\/div>\n                <\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"who-qualifies\">Who can get a green mortgage?<\/h2>\n\n\n\n<p>Right now, to qualify for a green mortgage on the grounds that your home (or the home you\u2019ll be purchasing) is already \u2018green\u2019, the property will need to have an <a href=\"https:\/\/www.rightmove.co.uk\/guides\/energy-efficiency\/energy-performance-certificates\/what-is-an-epc\/\">EPC rating<\/a> of either A or B. But homes with these ratings are in the minority, with fewer than 15% of homes for sale on Rightmove (April 2025) meeting these ratings. And the number of properties meeting the top-tier A rating is less than 1% overall.<\/p>\n\n\n\n<p>Alternatively, you can borrow money &#8211; often at a lower interest rate \u2013 and use it towards making green upgrades in a property you already live in.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"benefits\">What are the benefits of a green mortgage?<\/h2>\n\n\n\n<h3 id=\"often-youll-find-they-have-better-terms-or-cheaper-rates\" class=\"wp-block-heading\">Often, you\u2019ll find they have better terms, or cheaper rates<\/h3>\n\n\n\n<p>Green lenders often include several financial incentives within their products. These can include discounted interest rates with lower monthly payments compared to conventional repayment mortgages; savings or reductions on application and\/or arrangement fees; and cashback lump sums for customers who complete on a qualifying mortgage.<\/p>\n\n\n\n<p>You may find that a lender is also able to lend more to you if you have a home that meets a set energy efficiency standard. This works off the assumption that because your <a href=\"https:\/\/www.rightmove.co.uk\/news\/articles\/property-news\/average-uk-energy-bills-how-to-save-money\/\">energy bills<\/a> are likely to be lower, you\u2019ll be able to put more of your monthly income towards a mortgage.<\/p>\n\n\n\n<h3 id=\"they-can-be-used-to-fund-upgrades-that-result-in-lower-energy-bills-and-a-reduced-carbon-footprint\" class=\"wp-block-heading\">They can be used to fund upgrades that result in lower energy bills, and a reduced carbon footprint<\/h3>\n\n\n\n<p>Green mortgages can also be used to make energy-efficiency improvements to your current home. These can include <a href=\"https:\/\/www.rightmove.co.uk\/guides\/energy-efficiency\/energy-at-home\/home-insulation-guide\/\">insulation upgrades<\/a> and installing efficient heating systems such as <a href=\"https:\/\/www.rightmove.co.uk\/guides\/energy-efficiency\/energy-at-home\/heat-pump-guide\/\">heat pumps<\/a>. Such investments can lead to reduced energy consumption, which in turn means lower bills, and a lower carbon footprint.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"broker\">Can I speak to a mortgage broker about green mortgages?<\/h2>\n\n\n\n<p>Of course. <a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/how-to-get-a-mortgage\/mortgage-broker-adviser\/\">Mortgage brokers<\/a> can help you understand more about mortgages in general, including green mortgages, and can also know which type of mortgage might be the most suitable fit for your circumstances. They can also help explain whether a green mortgage could be a good fit for you. You can speak to a broker to learn more about whether you\u2019re eligible, as well as any other guidance you might need.<br><br>Mortgage brokers are knowledgeable about a wide range of potential options. They can help you to compare both the green and conventional mortgage offerings from a variety of lenders, while taking into account your financial circumstances and property.<\/p>\n\n\n<a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/how-to-get-a-mortgage\/mortgage-broker-adviser\/\"\n   target=\"\"\n   class=\"c-related-slim\"\n   id=\"\">\n    <div class=\"c-related-slim__icon\">\n                    <img decoding=\"async\" src=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/content\/uploads\/2023\/11\/contents.png\" alt=\"\">\n            <\/div>\n    <div class=\"c-related-slim__body\">\n        <div class=\"c-related-slim__legend\">MORTGAGE GUIDES<\/div>\n        <div class=\"c-related-slim__title\">What is a mortgage broker and how can they help?<\/div>\n    <\/div>\n    <div class=\"c-related-slim__cta\">\n        <svg class=\"c-icon c-icon--arrow-line-right\"><use xlink:href=\"#icon-arrow-line-right\"><\/use><\/svg>    <\/div>\n<\/a>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"lenders\">Do all lenders offer green mortgages?<\/h2>\n\n\n\n<p>Not all mortgage lenders provide green mortgages. However, the number that do has grown steadily in recent years.<\/p>\n\n\n\n<p>Green mortgage products are fairly new, having only been launched as recently as 2019. It\u2019s likely that more lenders will offer green products in the coming years, as the energy efficiency of properties becomes a greater focus for households.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"epc\">Do you need an up-to-date EPC to get a green mortgage?<\/h2>\n\n\n\n<p>Having <a href=\"https:\/\/www.rightmove.co.uk\/guides\/energy-efficiency\/energy-performance-certificates\/what-is-an-epc\/\">an up-to-date EPC<\/a> will either be mandatory or extremely helpful. As ultimately, the lender will use your EPC to help them work out whether you meet the criteria for a green mortgage.<\/p>\n\n\n\n<p>In the case of EPC mortgages, you will need to prove that your property is eligible with an EPC rating of A or B. Lenders will require this proof to determine that your property qualifies, so you will need an up-to-date EPC certificate.<\/p>\n\n\n\n<p>It\u2019s worth noting that if you\u2019ve made energy efficient upgrades since your most recent EPC was ordered, the new upgrades won\u2019t be reflected in your EPC rating until you order a new certificate. Which will involve having an assessor visit your home, and a new up-to-date certificate issued.<\/p>\n\n\n\n<p>For green home improvement loans that are designed to help homeowners finance eco-friendly upgrades, your lender may also ask for an up-to-date EPC. However, even if they don\u2019t, it can be a useful thing to have. You may need to show that the planned improvements will increase the property\u2019s energy efficiency, and a recent EPC will help to demonstrate this.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"application\">What is the application process for a green mortgage?<\/h2>\n\n\n\n<p>There aren\u2019t too many differences in the application process for a green mortgage and a conventional mortgage. You\u2019ll still be expected to verify your income with the lender, as well as going through their affordability assessment. You can read more about the process in our guide to mortgage affordability.<br>However, there are a few key differences to note with green mortgage applications:<\/p>\n\n\n\n<h3 id=\"eligibility-criteria-for-epc-mortgages\" class=\"wp-block-heading\">Eligibility criteria for EPC mortgages<\/h3>\n\n\n\n<p>For EPC mortgages, green lenders will want to check that your property qualifies for their specific product. This will involve them checking that your property has the necessary <a href=\"https:\/\/www.rightmove.co.uk\/guides\/energy-efficiency\/energy-performance-certificates\/what-is-an-epc\/\">EPC rating<\/a> (usually A or B). For green improvement loans, they will also want to understand how you plan to use the funds for energy efficiency improvements.<\/p>\n\n\n\n<h3 id=\"timeframes-for-green-home-improvement-loans\" class=\"wp-block-heading\">Timeframes for green home improvement loans<\/h3>\n\n\n\n<p>For green improvement loans, lenders may also give you a set timeframe to make your <a href=\"https:\/\/www.rightmove.co.uk\/guides\/energy-efficiency\/energy-at-home\/retrofit-green-improvements-cost\/\">energy efficiency improvements<\/a> within.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"interest-rates\">Do green mortgages have lower interest rates?<\/h2>\n\n\n\n<p>Green mortgages may provide homeowners with lower interest rates compared to <a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/mortgage-types\/types-of-mortgages\/\">conventional mortgages<\/a>, but this isn\u2019t guaranteed. In fact, some non-green mortgages may actually provide lower interest rates and\/or more attractive or suitable terms overall. Speaking to a <a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/how-to-get-a-mortgage\/mortgage-broker-adviser\/\">mortgage broker<\/a> about your options could be a good place to start.<\/p>\n\n\n<a href=\"https:\/\/www.rightmove.co.uk\/news\/articles\/property-news\/current-uk-mortgage-rates\/\"\n   target=\"\"\n   class=\"c-related-slim\"\n   id=\"\">\n    <div class=\"c-related-slim__icon\">\n                    <img decoding=\"async\" src=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/content\/uploads\/2023\/11\/contents.png\" alt=\"\">\n            <\/div>\n    <div class=\"c-related-slim__body\">\n        <div class=\"c-related-slim__legend\">PROPERTY NEWS<\/div>\n        <div class=\"c-related-slim__title\">What are the current UK mortgage rates?<\/div>\n    <\/div>\n    <div class=\"c-related-slim__cta\">\n        <svg class=\"c-icon c-icon--arrow-line-right\"><use xlink:href=\"#icon-arrow-line-right\"><\/use><\/svg>    <\/div>\n<\/a>\n\n\n<div class=\"c-section c-section--primary-lighter my-4\" id=\"\">\n    <h2 class=\"c-section__title\">\n        To summarise    <\/h2>\n    <div class=\"c-section__content\">\n        <ul>\n<li>There are two categories of green mortgage available to borrowers:<br \/>\n<strong>EPC mortgages: <\/strong>available for energy efficient properties that hold a high EPC rating.<br \/>\n<strong>Green home improvement loans: <\/strong>provide homeowners with the finance to make energy efficient upgrades.<\/li>\n<li>To qualify for a green mortgage on the grounds that your home (or the home you\u2019ll be purchasing) is already \u2018green\u2019, the property will need to have an <a href=\"https:\/\/www.rightmove.co.uk\/guides\/energy-efficiency\/energy-performance-certificates\/what-is-an-epc\/\">EPC rating<\/a> of either A or B.<\/li>\n<li>Benefits of a green mortgage can include better terms, or cheaper rates and can be used to fund upgrades that result in lower energy bills, and a reduced carbon footprint<\/li>\n<li><a href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/how-to-get-a-mortgage\/mortgage-broker-adviser\/\">Mortgage brokers<\/a> can help you understand more about mortgages in general<\/li>\n<\/ul>\n    <\/div>\n<\/div>\n\n\n\n<p>Please note: Rightmove is not authorised to give financial advice; the information and opinions provided in these articles are not intended to be financial advice and should not be relied upon when making financial decisions. Please seek advice from a regulated mortgage adviser.\u202f<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Green mortgages &#8211; sometimes also called eco mortgages &#8211; are mortgage loans specifically designed for financing an energy-efficient property, or to use to pay for energy-efficient upgrades to a home. In principle, they\u2019re designed to offer more attractive terms than conventional repayment mortgages, via things like lower rates, or cashback incentives. With the UK working [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":2887,"parent":1073,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":"","author_profile":""},"class_list":["post-2883","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":{"author_profile":[]},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Your guide to green mortgages - Rightmove<\/title>\n<meta name=\"description\" content=\"Green mortgages, or eco mortgages, are mortgage loans used to buy an energy-efficient property or to pay for energy-efficient home upgrades.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.rightmove.co.uk\/mortgages\/guides\/mortgage-types\/green-mortgages\/\" \/>\n<meta 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