Green mortgages hub

Green Home Mortgages


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

Putting climate at the heart of our purpose

According to the Department for Business, Energy & Industrial Strategy, residential properties make up 16% of the UK total greenhouse gas emissions (UK Greenhouse gas emissions figures 2021). We want to help to lower this and reward customers who are trying to do the same.

Our ambition is for 50% of our mortgage base to have an EPC rating at or above C by 2030, to achieve alignment with the 2015 Paris Agreement.

At a glance

The offer is only available on selected mortgages marked with ‘Green Mortgage - Cashback’ and can be changed or withdrawn at any point.

  • Reduced rates on a 2-year or 5-year fixed-rate mortgage for energy efficient homes.
  • Where applicable, cashback will be paid to their solicitor on the day they drawdown their mortgage.
  • Maximum LTVs: 
    • Residential products up to 85%. 
    • Buy-to-let products up to 75%.
  • Not applicable for Shared Equity or Help to Buy applications.
  • Product fees may apply.

Early repayment charges and all standard NatWest lending rules and policies, including our Buy -to-Let policy, applies.

Eligibility criteria

  • Property must be in the UK.
  • Available on Purchases and Remortgages.
  • There must be a valid Energy Performance Certificate (EPC) listed on the registers detailed below with a rating of A or B.
  • We will also consider customers who 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.

No other EPC data registers or documentation for example a Predicted Energy Assessment (PEA), will be accepted.

Before submitting

  • It is the broker's responsibility to ensure the appropriately rated A or B certificate is in place
  • Energy Performance Certificate must be valid within 10 years of production
  • No additional documentation to our standard application packaging requirements needs to be submitted

Registers and eligible property developers

For Energy Performance Certificates please contact:

You can also get a Green Mortgage if your customer is buying a new build property from one of our eligible companies or any of their subsidiaries:

  • Barratt Homes
  • Berkeley Group
  • Crest Nicholson
  • L&Q
  • Keepmoat Homes
  • Galliard Homes
  • Bellway
  • CALA Homes
  • Miller homes
  • Persimmon homes
  • Story homes
  • Taylor Wimpey 

Frequently Asked Questions