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Some products reward a property that already meets a specified energy standard. EPC A or B is a common requirement, although criteria differ between lenders.
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← Back to homeA MORE EFFICIENT HOME. MORE POSSIBILITIES.
Better home energy.
A brighter financial future.
Your home’s energy performance could open the door to green mortgage options. Understand what lenders look for, explore suitable improvements and get your property ready for the next step.
Eligibility depends on the lender, your finances and the property. A greener home does not guarantee a mortgage or a better deal.
Green mortgages, explainedOur video guide will be available here soon.
Your home. Your energy. Your next step.
UNDERSTAND YOUR OPTIONS
What makes a mortgage “green”?
A green mortgage connects a lending benefit to a home’s energy performance or qualifying improvements. Depending on the product, that might mean a reduced rate, cashback or additional borrowing for eligible work. It remains a mortgage: affordability, credit checks and the lender’s normal criteria still apply.
Review your mortgage
When considering a new deal, an up-to-date EPC may help your adviser identify additional options. Compare the total cost, fees and any charges for leaving your current mortgage.
Improve the property
Some lenders offer separate finance or rewards for approved energy upgrades. Check qualifying work, application timing and evidence requirements before committing to an installation.
Green mortgages and government grants are separate. Explore grants and funding ↗
START WITH THE PROPERTY
Property Features Lenders Pay Attention To
The EPC and product rules usually provide the starting point. These features help shape the home’s energy performance; a particular installation does not automatically qualify it for a green mortgage.
A valid, accurate EPC
The certificate needs to reflect the home and satisfy the lender’s required rating. A predicted rating or an old certificate may not provide the evidence a particular product needs.
Insulation & heat retention
Walls, roof and floors affect heat loss. A suitable insulation plan starts with the building’s construction and condition.
Heating & controls
A well-designed system should match the home’s needs. Heat pumps, controls and heat distribution can form part of an improvement plan, subject to assessment.
Solar & energy storage
Solar generation and storage may suit the property and appear in a lender’s eligible-improvements list. Check that product’s requirements before arranging work.
Windows & ventilation
Glazing, draught control and appropriate ventilation influence the home’s comfort and energy use. Improvements should work together rather than treating one feature in isolation.
Construction & permissions
Property type and condition still matter for lending. Leasehold restrictions, listed-building requirements or unusual construction can also affect which upgrades are practical.
EPC C is progress.
It is not automatic mortgage eligibility.
It is not automatic mortgage eligibility.
Improving from D, E or F to C may be a useful property goal. Some green mortgage products require A or B. Confirm the required standard before choosing work, and use a new assessment to establish the actual result.
REASONS TO CHOOSE US
A clearer plan for the home behind the mortgage.
Connected home upgrades
Explore heating, solar and insulation with a team focused on how the improvements fit your property.
Clear scope & quotations
Understand the proposed equipment, installation work and price before deciding how to proceed.
EPC support
Arrange an assessment and keep the property’s energy documentation alongside your improvement plans.
A practical starting point
Discuss the property, potential funding and suitable work before taking an installation quotation to your mortgage adviser.
FINDING THE RIGHT GREEN MORTGAGE
Compare the whole deal.
Plan around your home.
A mortgage adviser should assess suitable green and standard products together. The useful comparison includes the rate, product and advice fees, incentives, repayment terms and any early repayment charges—not just the green label.
1
Establish the starting point
Bring your current EPC, property plans and any existing mortgage details to the discussion.
2
Check the criteria
Your adviser checks the product rules, finances and any required improvement evidence.
3
Compare suitable options
Review the overall cost and understand what must happen before any incentive becomes available.
Providers with green home options
Examples for your research, not a statement that Terra has a partnership or access to these products. Products can change or be withdrawn. Check the provider’s current terms.
NatWest
Energy-efficient homes
Selected green mortgage products for qualifying purchases and remortgages, with EPC criteria set by the lender.
Barclays
Qualifying new builds
Green Home Mortgages for eligible purchases directly from a builder or developer, subject to energy-rating and lending requirements.
Nationwide
Green additional borrowing
A separate route for eligible existing mortgage customers funding qualifying energy improvements. This is additional secured borrowing, not a grant.
For a personal mortgage recommendation, use an appropriately authorised mortgage adviser and check the firm’s permissions on the FCA’s official service. Terra’s home-improvement quotation does not constitute a mortgage offer.
YOUR QUESTIONS, ANSWERED
Green Mortgage FAQs
Does a green mortgage always cost less?
No. A rate reduction or cashback may look attractive, but fees and other terms can change the overall cost. Compare suitable standard deals as well as green products.
Will EPC C qualify my home?
Not for every product. Some lenders require EPC A or B; other improvement products use different rules. Check the exact requirement before relying on a planned upgrade.
Can I apply if I want to improve an older home?
Possibly. Some products fund qualifying improvements, while others require the home to meet the standard already. Confirm the lender’s timing and evidence requirements before starting work.
Will installing solar panels or a heat pump guarantee approval?
No. The actual energy assessment, lender criteria, affordability and credit checks all matter. An installation quotation or projected rating is not mortgage approval.
Are green options available for landlords?
Some lenders have buy-to-let green products with their own criteria. A landlord should check the specific product, property requirements and borrowing terms with an adviser.
Can government funding be used alongside mortgage finance?
They are separate arrangements. Check the grant rules and lender conditions, agree which costs each covers and avoid funding the same cost twice. Do not assume a grant or loan will be approved.
What should I prepare before making an enquiry?
Start with the property postcode, current EPC and the improvements you have in mind. Give financial documents directly to your chosen mortgage adviser through their secure process; do not upload them to Terra’s general contact form.
Can Terra help with the property improvements?
Yes. Discuss suitable heating, solar or insulation options and request a property assessment and quotation. The resulting documentation can help you plan your next discussion with your mortgage adviser.
YOUR NEXT STEP
Start with your home’s potential.
Talk to Terra about your EPC and upgrade plans. We’ll help you understand the property work and prepare a clear quotation.
Your home may be repossessed if you do not keep up repayments on your mortgage.
This page provides general information, not a personalised mortgage recommendation. Borrowing is subject to status, affordability, valuation and lender criteria. Product information checked 23 October 2026; availability and terms can change.
Further reading: Energy Saving Trust’s green mortgage guide · GOV.UK EPC guidance.