EPC linked Mortgages

This advert popped up on my Facebook feed for Green Mortgages and it’s a sign of the future.

NatWest currently offer a Green Mortgage for properties with an Energy Performance Certificate (EPC) rating of A or B.

The blurb on their website states:

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 our customers who are trying to do the same.

Green Mortgages reward you for purchasing an energy efficient home by offering a reduced rate on a 2 year or 5 year fixed rate mortgage.

The offer is only available on selected mortgages marked with ‘Green Mortgage’ and can be changed or withdrawn at any point.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

Buy a UK home with a valid Energy Performance Certificate (EPC) rating of A or B and you could be eligible to select a Green Mortgage product. Early repayment charges may apply.

Why not get a personalised indication for a mortgage on the property? You can also see what the monthly costs could be without any obligation to take a mortgage with NatWest.


There is bound to be more of these products in the future, probably in the private rental sector for EPC rated C or above properties to incentivise landlords.

Now is the time to assess your current property stock and make a plan for how you can cost effectively improve the rating over the coming years.