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Eligibility Criteria

Green Mortgages

For residential and Buy to Let property purchases and remortgages with an energy performance rating of A or B.

Green Mortgage Eligibility Criteria

Please note the following information:

  • Property must be in the UK.
  • There must be a valid Energy Performance Certificate (EPC) listed on the registers detailed below with a rating of A or B to be eligible. No other EPC data registers or documentation will be accepted, for example a Predicted Energy Assessment (PEA). 
  • Properties where there is currently only a proposed or anticipated EPC Rating of A or B are not eligible.

  • It is the brokers responsibility to ensure the appropriately rated A or B certificate is in place prior to the application submission
  • Energy Performance Certificate must be valid within 10 years since production.
  • No additional documentation to our standard application packaging requirements is required to be submitted.
  • Available to first time buyers and existing homeowners.

  • Residential products available up to 85% Loan To Value. (The maximum LTV for new build residential properties is 85%). Buy to Let products available up to 75% LTV. (The maximum LTV for new build Buy to Let properties is 65%.)
  • Not applicable for Shared Equity or Help to Buy applications.
  • All standard NatWest lending rules and policies apply. Review Buy to Let policy here.

Property EPC Rating for Green Mortgage Product Eligibility

Frequently Asked Questions