What is an EPC rating and why is it important?

An Energy Performance Certificate (EPC) rates a property's energy efficiency from A (most efficient) to G (least efficient). It is crucial for green mortgages as lenders often offer better terms for properties with higher ratings.

Can I get a green mortgage for an older property?

Yes, many green mortgage products are available for older properties, especially if you commit to making energy efficiency improvements to raise its EPC rating.

What kind of improvements qualify for retrofit finance?

Improvements like installing heat pumps, solar panels, solid wall insulation, loft insulation, or upgrading to double or triple glazing often qualify for retrofit finance.

Are there any grants available for green home improvements?

The UK government sometimes offers various grants and schemes, such as the Boiler Upgrade Scheme, to help homeowners with the cost of installing low carbon heating or insulation.

Green mortgage & retrofit finance

The short answer

Lending for energy upgrades

Price from: On quote
Time on site: 1 to 2 hours

What you get

You get a consultation with a specialist broker who can help you find mortgage products with green incentives or finance for energy efficiency upgrades.

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See your price and free times

Enter your postcode to see the cheapest price for Green mortgage & retrofit finance near you and the next available times.

When do you need a Green mortgage & retrofit finance?

You need green mortgage or retrofit finance if you are buying an energy-efficient home, or if you plan to make improvements to your existing property to enhance its energy performance, such as installing solar panels or better insulation.

What happens on the day

A specialist broker will discuss your property's energy performance certificate (EPC) rating, your plans for energy-efficient upgrades, and your financial situation. They will explain available green mortgage products and finance options.

How to prepare

Your property's Energy Performance Certificate (EPC)
Details of proposed energy-efficient home improvements
Quotes for any retrofit work you plan to undertake
Your general financial information (income, outgoings)
Any existing mortgage details if refinancing

How to improve your result

Improve your EPC rating to at least a C for better green mortgage rates.
Get multiple quotes for energy efficiency upgrades.
Research government grants available for eco-friendly improvements.
Consider a whole-house retrofit plan for maximum impact.

Why it is useful day to day

Green mortgages and retrofit finance not only contribute to a more sustainable environment but can also lead to lower energy bills, a more comfortable home, and potentially increase your property's value. They make eco-friendly living more accessible and affordable.

Why we ask these questions

We ask about your property's energy efficiency (EPC rating) and your plans for any improvements to match you with suitable green mortgage or retrofit finance options. This helps us find products that offer benefits for eco-friendly homes.