Green mortgages

Greener homes, greener mortgages


Rewarding your sustainable choices

  • Lower mortgage rates
  • Affordability boost to maximise borrowing power
  • Incentives for making green choices

Lower carbon emissions

Our homes generate millions of tonnes of CO₂ each year¹. Tackling climate change means upgrading our homes.

Lower energy bills

Making your home more energy efficient can be good for your wallet too. The less you use, the less you pay. Win-win!

Higher value homes

According to Rightmove², upgrading your home can also make it worth more – great for you and the planet!

Why do we care about green homes?

The UK has the least energy efficient housing in Europe. If we’re going to reach net zero emissions, this means we have to make our homes use less energy and switch from gas to electric heating.

What is a green mortgage?

There are many ‘green mortgage’ options on the market. So, what are they? The truth is, they can differ from lender to lender, and we know it can be hard to know which option is best for you. We’re designing ours to be as simple as possible – a green discount applied to our standard mortgage rates. Rewarding you with lower mortgage payments for making greener choices, whether that’s buying a green home or making your home more energy efficient.


Is your home already green?

If the home you are buying or live in is already highly energy efficient, we will reward you for that. Our first green mortgage was launched recently in collaboration with Octopus Energy – available exclusively on Zero Bills™ properties.

Thinking of retrofitting?

If you’re interested in making your home more energy efficient, we want to help. We’re working hard behind the scenes to create a retrofit mortgage. This will reward you for installing renewable technologies like solar panels and heat pumps. In the meantime, we’ve partnered with Kuppa to help you get personalised recommendations about your home’s energy performance and ways to improve it. Try the retrofit calculator to learn more.

You could lose your home if you don’t keep up your mortgage repayments.


¹ Our homes generate millions of tonnes of CO₂ each year

² According to Rightmove, upgrading your home can also make it worth more