AIB
|
Green Mortgage Rate
|
https://aibni.co.uk/our-products/mortgages/green-mortgage
|
Feb-20
|
Yes
|
|
Yes
|
|
Yes
|
EPC must be submitted at the stage of application.
|
New Builds and Existing Homes
|
A/B
|
|
Barclays
|
Green Home Mortgages
|
https://www.barclays.co.uk/mortgages/green-home-mortgage/
|
2018
|
Yes
|
|
|
|
Yes
|
Verification via an EPC or Predicted EPC that property has or will have an energy efficiency rating of 81 or above, or EPC A or B.
|
New Build
|
A/B; 81 SAP
|
|
Barclays
|
Green Home Reward
|
https://www.barclays.co.uk/mortgages/greener-home-reward/?
|
2022
|
|
|
Yes
|
Yes
|
|
Invoice provided showing proof of works
|
|
|
|
Barclays
|
Incentive: 50% Discount on Hive products and instillation
|
https://www.barclays.co.uk/sustainability/greener-homes/hive-thermostat-mini/terms-and-conditions/
|
Apr-23
|
|
|
|
|
|
|
|
|
|
Barclays
|
Green Home Buy-to-Let Mortgages
|
https://www.barclays.co.uk/mortgages/green-buy-to-let-mortgage/
|
Jan-22
|
Yes
|
|
|
|
Yes
|
Verification via an EPC or Predicted EPC that property has or will have an energy efficiency rating of 81 or above, or EPC A or B.
|
Buy-to-let, Existing and New Build
|
A/B; 81 SAP
|
|
Birmingham Midshires
|
Green Mortgages
|
https://www.bmsolutions.co.uk/placing-business/green-mortgages/
|
Jul-22
|
Yes
|
|
|
|
Yes
|
Customers are required to have either a valid Energy Performance Certificate (EPC) or Predicted Energy Assessment (PEA) of A-C
|
Buy-to-Let or Let-to-Buy Property
|
A-C
|
Yes
|
Coutts
|
Green Mortgage
|
https://www.coutts.com/about/sustainability.html
|
Jun-21
|
|
|
Yes
|
|
Yes
|
The client is asked to send across a copy of the EPC certificate. To validate, bankers are also instructed to enter the RRN code on epcregister.com to check the EPC Grade.
|
Existing Homes or New Build
|
A/B
|
Yes
|
Coutts
|
Retrofit Green Mortgage
|
https://www.coutts.com/about/sustainability.html
|
Jun-21
|
|
Yes
|
Yes
|
Yes
|
|
The client is asked to send across a copy of the EPC certificate. To validate, bankers are also instructed to enter the RRN code on epcregister.com to check the EPC Grade.
|
|
A/B/C
|
Yes
|
Coventry Building Society
|
Green Additional Borrowing
|
https://www.coventrybuildingsociety.co.uk/member/mortgages/sustainable-living/green-additional-borrowing.html
|
May-23
|
Yes
|
Yes
|
|
Yes
|
|
Prior to an offer being produced, customer must send in a quote confirming the work being undertaken amounts to at least half the funds being requested.
|
Residential and Buy-to-Let
|
|
Yes
|
Chorley Building Society
|
Green Home Improvements - Additional Borrowing
|
https://www.chorleybs.co.uk/mortgages/additional-borrowing/
|
Jul-22
|
|
Yes
|
|
Yes
|
|
|
|
|
|
Chorley Building Society
|
Green Home Improvements
|
https://www.chorleybs.co.uk/knowledge-hub/your-guide-to-a-greener-home/
|
May-22
|
|
|
Yes
|
|
|
|
Existing Properties
|
A-B
|
|
Coventry Building Society
|
Green Additional Borrowing
|
https://www.coventrybuildingsociety.co.uk/member/mortgages/sustainable-living/green-additional-borrowing.html
|
May-23
|
Yes
|
Yes
|
|
Yes
|
|
Prior to an offer being produced, customer must send in a quote confirming the work being undertaken amounts to at least half the funds being requested.
|
Residential and Buy-to-Let
|
|
Yes
|
Danske Bank
|
Danske Carbon Neutral Mortgage
|
https://danskebank.co.uk/personal/products/mortgages/carbon-neutral-mortgages
|
Jan-22
|
Yes
|
|
Yes
|
|
|
|
Existing Homes
|
A-C
|
|
Dudley Building Society
|
Eco Self-Build Discount for Term - Advance
|
https://www.dudleybuildingsociety.co.uk/intermediaries/intermediaries/products/eco-self-build-discount-for-term-advance/
|
2020
|
Yes
|
|
|
|
Yes
|
Plans of how the EPC rating will be incorporated into the plan must be evidenced.
|
Self-Build
|
Anticipated A or B
|
Yes
|
Dudley Building Society
|
Eco Self-Build Discount for Term - Arrears
|
https://www.dudleybuildingsociety.co.uk/intermediaries/intermediaries/products/eco-self-build-discount-for-term-arrears/
|
2020
|
Yes
|
|
|
|
Yes
|
Plans of how the EPC rating will be incorporated
|
Self-Build
|
Anticipated A or B
|
Yes
|
Dudley Building Society
|
Two Year Fixed Energy Efficient Remortgage
|
https://www.dudleybuildingsociety.co.uk/intermediaries/intermediaries/products/3-79-two-year-fixed-energy-efficient-remortgage/
|
Jun-21
|
Yes
|
|
Yes
|
Yes
|
|
Quotes of how the borrower intends to improve the EPC rating must be evidenced.
|
Residential Homes
|
A/B
|
Yes
|
Dudley Building Society
|
Three Year Fixed Rate Energy Efficient BTL Remortgage
|
https://www.dudleybuildingsociety.co.uk/intermediaries/intermediaries/products/three-year-fixed-rate-energy-efficient-btl-remortgage/
|
Jun-21
|
Yes
|
|
Yes
|
Yes
|
|
Quotes of how the borrower intends to improve the EPC rating must be evidenced. Cashback must be used to improve EPC band.
|
Buy-to-Let
|
A/B/C
|
Yes
|
Dudley Building Society
|
Two Year Discount Energy Efficient Further Advance
|
https://www.dudleybuildingsociety.co.uk/intermediaries/intermediaries/products/2-10-two-year-discount-energy-efficient-further-advance/
|
Jun-21
|
|
Yes
|
Yes
|
Yes
|
|
Indicative list of accepted home improvements provided.
|
Existing Homes
|
N/A Based on qualifying works
|
Yes
|
Ecology Building Society
|
C-Change Discount: Sustainable Homes Discount
|
https://www.ecology.co.uk/mortgages/c-change-discounts/#sustainable
|
2006
|
Yes
|
Yes
|
|
|
Yes
|
Discount applied once confirmation that property is completed and final energy certification is provided.
|
Self- and Custom-Build, Existing Homes, Conversions
|
Minimum A/B (88 SAP for self- and custom-build and 85 SAP for conversions)
|
Yes
|
Ecology Building Society
|
C-Change Discount: Retrofit Discount
|
https://www.ecology.co.uk/mortgages/c-change-discounts/#retrofit
|
2006
|
Yes
|
Yes
|
|
Yes
|
Yes
|
Discount applied based on the scale of improvements in the EPC rating and once final energy certification is provided.
|
Renovations
|
Improvement in the EPC rating
|
Yes
|
Ecology Building Society
|
C-Change Discount: Energy Improvements Discount
|
https://www.ecology.co.uk/mortgages/c-change-discounts/#energy-improvements
|
2006
|
Yes
|
Yes
|
|
Yes
|
|
Discount applied to value of qualifying works for energy efficiency improvements.
|
Existing Homes, Renovations
|
N/A - based on qualifying works
|
Yes
|
Foundation Home Loans
|
Green ABC+ Products
|
https://www.foundationforintermediaries.co.uk/buy-to-let/green-mortgages/
|
Apr-22
|
Yes
|
Yes
|
|
Yes
|
Yes
|
Property EPC must show the rating applicable to the product. Product comes with one free valuation.
|
Buy-to-Let
|
A/B/C
|
|
Foundation Home Loans
|
Green Reward Mortgage
|
https://www.foundationforintermediaries.co.uk/buy-to-let/green-mortgages/
|
Feb-21
|
|
|
Yes
|
|
Yes
|
Cashback upon completion and a reduced product fee.
|
Buy-to-Let
|
A/B/C
|
|
Gatehouse Bank
|
Green Home Purchase Products
|
https://gatehousebank.com/personal/home-finance/green-finance-products
|
Apr-22
|
Yes
|
|
|
|
Yes
|
EPC must be submitted at the stage of application.
|
Buy-to-Let, Existing Homes
|
A/B
|
|
Hampshire Trust Bank
|
Bridge EPC Refurb
|
https://www.htb.co.uk/blog/htb-unveils-bridge-epc-product
|
May-22
|
|
Yes
|
|
Yes
|
|
|
Buy-to-Let
|
A-C
|
|
Halifax
|
Green Living Reward
|
https://www.halifax.co.uk/mortgages/help-and-advice/green-living/green-living-reward.html
|
Nov-20
|
|
|
Yes
|
Yes
|
|
Customers are required to submit a claims form and upload a copy of their invoice. Customers must register for the reward by the 31st October 2023 and claim by 29th February 2024
|
Existing Homes, New Builds
|
|
Yes
|
Halifax
|
Green Mortgage Cashback
|
https://legacy.greenfinanceinstitute.com/programmes/ceeb/green-mortgages/
|
Jul-21
|
|
|
Yes
|
|
Yes
|
Customers are required to have either a valid Energy Performance Certificate (EPC) or Predicted Energy Assessment (PEA) of A or B
|
Existing Homes, New Builds
|
A/B
|
Yes
|
Hinckley and Rugby Building Society
|
Green Mortgages
|
https://www.hrbs.co.uk/mortgages/green-mortgages/
|
Jul-21
|
Yes
|
Yes
|
|
Yes
|
|
At least 50% of additional funds borrowed must be spent on specified list.
|
Buy-to-Let and Residential
|
|
Yes
|
Just Group
|
Green Lifetime Mortgage Feature
|
https://www.justadviser.com/products/lifetime-mortgages/green-lifetime-mortgage-feature
|
Jul-20
|
Yes
|
|
Yes
|
Yes
|
|
EPC must be submitted at the application stage. All customers will receive cashback when the advance completes to contribute to cost of EPC.
|
Existing Homes
|
|
|
Kensington Mortgages
|
eKo reward £500 cashback - Residential Purchase
|
https://www.kensingtonmortgages.co.uk/intermediaries/products
|
2021
|
|
|
Yes
|
|
Yes
|
Property must be rated A/B at time of purchase. Purchase Only
|
New Build and energy efficient existing properties
|
|
|
Kensington Mortgages
|
eKo reward £500 cashback - BTL Purchase
|
https://www.kensingtonmortgages.co.uk/intermediaries/products/buy-to-let
|
2021
|
|
|
|
|
|
Property must be rated A/B at time of purchase. Purchase Only
|
New Build and energy efficient existing properties
|
|
|
LendInvest
|
EPiC Range
|
https://www.lendinvest.com/group/newsroom/releases/lendinvest-launches-new-epic-range-for-green-properties/
|
Oct-21
|
Yes
|
|
|
|
Yes
|
|
Buy-to-Let
|
A-C
|
|
Landbay
|
Green Mortgage Range
|
https://landbay.co.uk/intermediaries/products-and-fees
|
Jun-21
|
|
|
|
|
Yes
|
EPC must be from within the last 24 months.
|
Buy-to-Let; New Builds
|
A/B/C
|
|
Leeds Building Society
|
Green Fixed Rate Mortgages
|
https://www.leedsbuildingsociety.co.uk/intermediaries/products/fixed-rate-mortgages/#tab:4
|
Sep-21
|
Yes
|
|
|
|
Yes
|
If applicable product, cashback paid at completion when an up-to-date EPC of A or B can be evidenced.
|
Purchase Only
|
A/B/C
|
Yes
|
Lloyds Bank
|
Eco Home Reward
|
https://www.lloydsbank.com/mortgages/help-and-guidance/eco-home-hub/eco-home-reward.html
|
Feb-22
|
|
|
Yes
|
Yes
|
|
Customers are required to submit a claims form and upload a copy of their invoice. Customers must register for the reward by the 31st October 2023 and claim by 29th February 2024
|
Existing Homes, New Builds
|
|
Yes
|
Lloyds Bank
|
Green Mortgage Cashback
|
|
Feb-23
|
|
|
Yes
|
|
Yes
|
Customers are required to have either a valid EPC showing on the EPC register of EPC A or B
|
Existing Homes, New Builds
|
A/B
|
Yes
|
Legal & General
|
Energy Saver Cashback Offer
|
https://www.legalandgeneral.com/adviser/retirement/later-life-mortgages/lifetime-mortgages/energy-saver-cashback-offer/
|
Nov-20
|
|
|
Yes
|
Yes
|
|
Cashback will be paid upon completion of qualifying works once approved by Legal and General Home Finance.
|
Existing Homes, New Builds
|
|
|
Monmouthshire Building Society
|
Energy Efficiency Mortgage Range
|
https://www.mbs-intermediaries.com/mortgage-products/
|
Feb-22
|
Yes
|
|
|
|
Yes
|
|
Existing Homes, New Builds, First Time Buyers
|
A
|
|
Newbury Building Society
|
GoGreen Limited company Buy To Let Further Advance Mortgage
|
https://www.newbury.co.uk/mortgages/products/Gogreen-LTD-Company-Buy-to-let-further-advance-3-year-discount-75/
|
May-22
|
Yes
|
Yes
|
|
Yes
|
|
At least 50% of borrowing must be spent on specific energy efficiency improvements.
|
Buy-to-let
|
|
Yes
|
Newbury Building Society
|
GoGreen Further Advance Mortgage (5 year discount)
|
https://www.newbury.co.uk/mortgages/products/Gogreen-further-advance-5-year-discount-75/
|
Jul-20
|
Yes
|
Yes
|
|
Yes
|
|
At least 50% of borrowing must be spent on specific energy efficiency improvements.
|
Existing Homes
|
A/B
|
Yes
|
Newbury Building Society
|
GoGreen Self-Build Mortgage Reward
|
https://www.newbury.co.uk/mortgages/products/self-build/
|
Jul-20
|
Yes
|
|
Yes
|
|
Yes
|
Refund half of the application fee paid at the start of the mortgage if an EPC of A or B can be evidenced within two years of the start of the self-build project.
|
Self-Build
|
A/B
|
Yes
|
Newbury Building Society
|
GoGreen Buy To Let Further Advance Mortgage
|
https://www.newbury.co.uk/mortgages/gogreen-mortgages/
|
May-22
|
Yes
|
Yes
|
|
Yes
|
|
At least 50% of borrowing must be spent on specific energy efficiency improvements.
|
Buy-to-Let
|
|
Yes
|
Nationwide Building Society
|
Green Reward
|
https://www.nationwide.co.uk/mortgages/green-reward
|
Apr-21
|
|
|
Yes
|
|
Yes
|
Two weeks after the mortgage completes, Nationwide use the government register to look up the property’s EPC and check its score.
|
New and Existing Homes
|
A/B
|
|
Nationwide Building Society
|
0% Interest Green Additional Borrowing
|
https://www.nationwide.co.uk/products/mortgages/borrowing-more/green-additional-borrowing
|
Mar-20
|
Yes
|
Yes
|
|
Yes
|
|
100% of borrowing must be spent on energy efficiency improvements (specified list).
|
Existing Homes
|
|
|
Newable Finance
|
EPC bridging and second charge finance
|
https://newable.co.uk/money/finance/epc-loans-and-mortgages/
|
May-22
|
Yes
|
|
|
Yes
|
|
|
Buy-to-Let
|
A/B/C
|
|
NatWest Group
|
Green Mortgage
|
https://personal.natwest.com/personal/mortgages/mortgage-comparison/green-mortgages.html
|
Oct-20
|
Yes
|
|
|
|
|
|
Purchase & Remortgage, Resi & BTL
|
A/B
|
Yes
|
Paragon Bank
|
Green Further Advance Range
|
https://www.paragonbank.co.uk/resources/paragonbank/documents/mortgages/buy-to-let/portfolio/portfolio-further-advance-guide
|
Jul-21
|
|
Yes
|
|
|
Yes
|
|
Buy-to-Let
|
A/B/C
|
|
Paragon Bank
|
Green Mortgages
|
https://www.paragonbank.co.uk/resources/paragonbank/documents/mortgages/buy-to-let/portfolio/portfolio-buy-to-let-product-guide
|
Jun-21
|
Yes
|
|
|
|
Yes
|
|
Buy-to-Let
|
A/B/C
|
|
Quantum Mortgages
|
Green Range
|
https://quantummortgages.co.uk/products/green-range/
|
Mar-22
|
|
Yes
|
|
Yes
|
|
Where the borrower commits to improving the property to achieve a minimum of EPC C, an additional special condition will be added to the offer requiring sight of an updated EPC certificate prior to completion or the solicitor to confirm this is in place.
|
Buy-to-Let (Single unit properties)
|
A/B/C (or lower with commitment to bring up to minimum of EPC C)
|
|
Shawbrook
|
Energy Efficiency Discount
|
https://property.shawbrook.co.uk/property-finance/our-markets/buy-to-let-mortgages/
|
May-22
|
Yes
|
|
|
Yes
|
|
Submission of the new EPC certificate post-work completion. The cost of the new EPC certificate will be refunded (up to £100).
|
Buy-to-Let
|
A/B/C
|
|
Skipton Building Society
|
Green Additional Borrowing Products
|
https://www.skipton.co.uk/mortgages/additional-borrowing
|
Jan-22
|
|
Yes
|
|
Yes
|
|
Client must spend at least 50% of the Additional Borrowing on energy efficient home improvements.
|
Existing Homes
|
A/B/C
|
Yes
|
Saffron Building Society
|
Retro Fit Mortgage
|
https://www.saffronbs.co.uk/about/community/green-hub/going-green-saffron
|
Sep-20
|
Yes
|
|
|
Yes
|
|
Proof of energy efficiency upgrades (to minimum EPC E) required. If proved, customers will be given a discount on their monthly mortgage payments for the remainder of the two-year deal.
|
Existing Homes
|
A/B/C/D
|
Yes
|
Santander
|
Green Improvements
|
https://www.santander.co.uk/personal/support/greener-living/greener-homes/green-improvements
|
Jun-22
|
|
Yes
|
|
Yes
|
|
|
Existing Properties
|
|
|
Swansea Building Society
|
Green Mortgage
|
https://www.swansea-bs.co.uk/mortgages/greenmortgagetypes
|
Mar-22
|
Yes
|
|
|
|
Yes
|
|
Existing Homes
|
A/B
|
|
TSB
|
Green Additional Borrowing Mortgage Products
|
https://www.tsb.co.uk/mortgages/green-mortgages/
|
Jun-21
|
|
Yes
|
|
Yes
|
|
A quote from supplier to confirm the green home improvements will have to be provided. Select energy efficiency improvements specified.
|
Existing Homes
|
|
Yes
|
The Mortgage Works (TMW)
|
Green Further Advance Mortgage
|
https://www.themortgageworks.co.uk/products/green-further-advance
|
Apr-21
|
Yes
|
Yes
|
|
Yes
|
|
Client must spend 100% of additional borrowing on acceptable energy efficient home improvements. Checks may be carried out to ensure work has been completed.
|
Buy-to-Let
|
|
|
Virgin Money
|
Green Reward
|
https://uk.virginmoney.com/mortgages/green-reward?utm_campaign=VM37406_Green_Reward_broker_comms&utm_content=71223355&utm_medium=email&utm_source=Intermediary
|
Oct-22
|
|
Yes
|
Yes
|
Yes
|
|
Yes
|
All
|
|
|
Virgin Money
|
Greener New Build
|
https://uk.virginmoney.com/mortgages/greener-mortgages/
|
May-21
|
Yes
|
|
|
|
Yes
|
|
New Build
|
|
|
West One Loans
|
Green Second Charge Mortgage
|
https://www.westoneloans.co.uk/second-charge-mortgages
|
Apr-22
|
Yes
|
|
|
Yes
|
|
|
Buy-to-Let
|
A/B/C (or lower with commitment to bring up to minimum of EPC C)
|
|