Green Mortgages

An energy efficient home could save your customers money

For residential and buy to let property purchases and remortgages with an energy performance rating of A or B

What is a Green Mortgage?

According to UK Government National Statistics, residential properties make up 15% of the UK total climate emissions. At NatWest, we want to help to lower this and reward customers who are trying to do the same.

Green Mortgages reward your customers for purchasing an energy efficient home by offering a reduced rate on a 2 year or 5 year fixed rate mortgage, and they could also get cashback which will be paid to their solicitor on the day they drawdown their mortgage.

The offer is only available on selected mortgages marked with ‘Green Mortgage - Cashback’ and can be changed or withdrawn at any point. Max LTV 85%.

If your customers buy a UK home with a valid Energy Performance Certificate (EPC) rating of A or B they could be eligible to select a Green Mortgage product. Early repayment charges may apply.

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)
  • Your customers could also get a Green Mortgage if they are buying a new build property from one of our eligible developers listed in the below section
  • 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 of production
  • No additional documentation to our standard application packaging requirements needs to be submitted
  • Available to first time buyers and existing homeowners

  • Residential products are available up to 85% Loan and Buy to Let products available up to 75% LTV. 
  • 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

You can also get a Green Mortgage* if you are buying a new build property from one of our eligible companies:

  • Barratt Homes 
  • Berkeley Group 
  • Crest Nicholson 
  • L&Q 
  • Keepmoat Homes 
  • Galliard Homes 
  • Bellway 
  • CALA Homes 

And any of their subsidiaries.

*If there is an EPC of less than a B confirmed on the property at time of application you will not be eligible. 

Frequently Asked Questions

Climate is at the heart of our purpose

We're setting out a new ambition to be a leading bank in the UK & RoI helping to address the climate challenge; by making our own operations net carbon zero in 2020 and climate positive by 2025, and by driving material reductions in the climate impact of our financing activity.

We're setting ourselves the challenge to at least halve the climate impact of our financing activity by 2030 and intend to do what is necessary to achieve alignment with the 2015 Paris Agreement.