Compare standard and green mortgage rates — see how much an EPC A/B rating saves you over the mortgage term.
Note: Figures shown are for illustrative purposes. Actual green mortgage rates and eligibility vary by lender. Always check your current EPC certificate before applying.
A green mortgage is a home loan offered at a preferentially lower interest rate to borrowers whose property has an Energy Performance Certificate (EPC) rating of A or B. Lenders offer the discount because energy-efficient homes are seen as lower-risk assets and the government incentivises green lending.
Most UK lenders require an EPC rating of A or B to qualify for a green mortgage rate. A small number of lenders also accept C-rated properties, particularly if the borrower commits to improvements. You can check your property's EPC rating for free on the government's EPC register at find-energy-certificate.service.gov.uk.
Green mortgage rates are typically 0.10% to 0.30% lower than equivalent standard products. On a £250,000 repayment mortgage over 25 years, a 0.20% discount saves roughly £25–£30 per month or up to £9,000 over the full term.
Yes. Some lenders offer 'green improvement mortgages' or additional borrowing to fund energy improvements such as insulation, heat pumps or solar panels. Once improvements raise your EPC to A or B, you may qualify for the green rate. Nationwide, Barclays and NatWest are among lenders with green product ranges.
Many major UK lenders now offer green mortgages including Barclays, NatWest, Nationwide, Halifax, HSBC, Santander and Virgin Money. Eligibility criteria, discount amounts and qualifying EPC ratings vary by lender, so it is worth comparing deals through a whole-of-market mortgage broker.