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Green mortgages

The UK Government is leading on the issue of climate change and has set an ambitious target to reach net zero carbon emissions by 2050. Consumers have realised their own responsibilities and understand how even small behavioural changes can bring about valuable improvements, with an increasing number looking to their homes as an obvious way to reduce their own carbon footprint.

Research by the Environment Agency found that our homes account for 30% of the UK’s total energy use. This is why, to help reach the net zero target, the government is looking to introduce legislation that will require rental properties to have a minimum Energy Performance Certificate (EPC) of C by April 2025.  The expectation is that this will apply to all properties by the end of the decade.

As a lender, we want to play our part in helping our customers reduce their home-energy consumption, which is why we have launched a suite of green products at highly-competitive rates.  The new products will allow our existing members to access additional funding to carry out green retrofitting improvements to improve their EPC rating.

Members can take advantage of these competitive rates by pledging to use at least 50% of the additional funds borrowed for energy-efficiency improvements, including heating modifications, the installation of renewable energy generation tools or resilience measures against flooding.  View our full list of acceptable green measures.


Green Buy to Let 2 Year Discount Mortgages

Products currently include: Maximum loan to value 75% Current rate payable 1.40% Overall cost for comparison is 5.0% APRC Continue reading →

Green Buy to Let 5 Year Fixed Rate Mortgages

Products currently include: Maximum loan to value 75% Current rate payable 1.90% Overall cost for comparison is 4.1% APRC Continue reading →

Green Buy to Let 2 Year Fixed Rate Mortgages

Products currently include: Maximum loan to value 75% Current rate payable 1.60% Overall cost for comparison is 5.1% APRC Continue reading →

Green 2 Year Discount Mortgages

Products currently include: Maximum loan to value 80% Current rate payable 1.25% Overall cost for comparison is 4.5% APRC Continue reading →

Green 5 Year Fixed Rate Mortgages

Products currently include: Maximum loan to value 80% Current rate payable 1.75% Overall cost for comparison is 4.0% APRC Continue reading →

Green 2 Year Fixed Rate Mortgages

Products currently include: Maximum loan to value 80% Current rate payable 1.45% Overall cost for comparison is 4.6% APRC Continue reading →