A green mortgage could be right for you

Did you know that not only could our energy-efficient homes save you over £2,200 per year on your energy bills*, they could also mean you’re eligible for a green mortgage. This could mean you're offered a preferential interest rate, an increased loan amount or cashback from your mortgage lender.

What is a green mortgage and what are the benefits?

Green Mortgages

A growing number of mainstream lenders are now offering green mortgage products, which encourage homeowners to buy energy-efficient homes. This is because they could cost less to run due to reduced energy bills, so you’re in a better financial position to be able to repay their loan.


As an incentive for choosing an energy-efficient home, you could be offered a preferential interest rate, an increased loan amount or cashback.

What homes qualify for a green mortgage?

Green Mortgages

Eligibility criteria for a green mortgage varies from lender to lender, but the property's Energy Performance Certificate (EPC) is typically a key factor. Homes are usually required to have an energy-efficiency rating of A or B.

This means not only could a brand-new Barratt home be up to 63% cheaper to run* but it could also mean you’re eligible for a green mortgage too.



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*Indicative figures, based on HBF "Watt a Save" report published January 2024.