Green Mortgages: How Energy Efficiency Can Save You Money in 2025
Sustainability is no longer just a lifestyle choice, it’s becoming a financial one too.
Across the UK, more lenders are offering green mortgages, rewarding homeowners for buying or upgrading energy-efficient properties.
How green mortgages work
A “green mortgage” typically offers:
Lower interest rates : often 0.1–0.25% less than standard deals.
Cashback incentives : £500–£1,000 for homes with an EPC rating of A or B.
Eligibility : most lenders require an up-to-date EPC certificate.
Why it matters
Energy-efficient homes are not only cheaper to run but also more attractive to lenders under the UK’s climate reporting standards.
Banks like Barclays, NatWest, and Nationwide have expanded their green product ranges a clear sign of market confidence in sustainable housing.
Steps to take
Check your EPC rating on the government’s online register.
Review upgrade options insulation, double glazing, solar panels which may improve your eligibility.
Ask your adviser to compare lenders offering green deals, as rates and cashback vary.
Final thoughts
If your home already performs well on energy efficiency or if you’re planning upgrades a green mortgage could save you thousands.
Enlarge Consultancy can help you find lenders that reward sustainability while ensuring your mortgage suits your overall financial goals.
Get in touch today for a no-obligation consultation
