What Is a Green Mortgage — and Can It Save Me Money?
With energy bills still high and sustainability on people’s minds, more homebuyers are asking about green mortgages — but what are they, and are they worth it?
In this blog, we explain what a green mortgage is, how they work, and whether they could help you save money if you’re buying or remortgaging in 2025.
What Is a Green Mortgage?
A green mortgage is a mortgage that rewards you for buying or owning an energy-efficient home.
Some lenders will offer:
- Lower interest rates
- Cashback
- Exclusive deals
…if your property has a high Energy Performance Certificate (EPC) rating — usually A or B.
Who Can Get One?
Green mortgages are usually available if:
- You’re buying a new-build with a high EPC
- You’re purchasing an existing home that’s already energy efficient
- You’re remortgaging and your property qualifies
Some lenders also offer green home improvement mortgages, where you can borrow extra to fund upgrades like insulation, heat pumps, or solar panels.
Will It Actually Save Me Money?
In many cases — yes. Here’s how:
- Lower monthly repayments (thanks to better rates)
- Cashback that can help cover moving or upgrade costs
- Lower energy bills from living in a more efficient home
It’s a win-win: good for your wallet and good for the planet.
What Do Lenders Check?
Lenders usually check:
- The EPC rating of the home
- Whether it's a new-build or recently renovated
- That your energy certificate is valid and up to date
Some even offer better deals automatically if the property meets the right standard.
Want to Know If You Qualify?
At The Mortgage Lodge, we know which lenders offer green mortgage deals — and how to find out if you or your property qualifies.
We’ll help you unlock any savings and make the most of your mortgage.
Get in touch today to find out if a green mortgage could work for you.