Green mortgages
Looking for a green mortgage? Get preferential rates or cashback on energy-efficient homes. Mortgage Light helps UK borrowers navigate green mortgages confidently.
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ENERGY EFFICIENT MORTGAGES
Green mortgages for Milton Keynes and the UK from Mortgage Light
Looking to buy or remortgage with energy efficiency in mind? Or want to lower your household bills? Green mortgages reward sustainable choices - offering preferential rates, cashback or enhanced borrowing when your home meets certain energy standards. At Mortgage Light, we combine practical advice with long-term thinking to help you find a mortgage that’s good for your finances and the planet.
What is a green mortgage?
Green mortgages are products offered by some lenders that reward buyers or owners of energy-efficient homes. In many cases, you’ll be eligible for improved interest rates, cashback, or additional borrowing capacity if the property you're buying (or already own) has a high EPC (Energy Performance Certificate) rating, usually A or B.
These products are designed to encourage more sustainable living and reduce the carbon footprint of our housing stock, a goal we’re proud to support. You may be eligible if you are:Buying a new build that meets energy efficiency requirements, Remortgaging an existing home with a high EPC rating or Improving the energy performance of your current property (e.g. installing insulation or solar panels). Green mortgages are available across a range of buyer types, including first-time buyers, home movers, and landlords.
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Who can benefit from a green mortgage?
You may be eligible if you are:
Buying a new build
That meets energy efficiency requirements
Remortgaging
An existing home with a high EPC rating
Improving
The energy performance of your current property (e.g. installing insulation or solar panels).
What counts as a green home?
To access a green mortgage, most lenders require the property to have an EPC rating of A or B. This can often be achieved by:
- Buying a recently built property (new builds are typically rated A or B)
- Retrofitting your current home with energy-efficient upgrades
- Providing EPC documentation at application stage
An EPC gives your home a rating from A (most efficient) to G (least efficient), alongside practical advice on how to improve the score. Improving your EPC rating isn’t just good for your mortgage – it could lower your energy bills too.
Some lenders, like Halifax and Skipton, offer cashback or exclusive products for homes with strong EPC ratings. These incentives can be used to offset costs or reinvest in further improvements, and initiatives like Skipton’s EPC Plus or Halifax’s Green Home Cashback offer helpful ways to make energy efficiency work for you.
Even if you’re unsure whether your current or future home qualifies, we’ll help you check eligibility, understand the impact of EPC ratings, and explore all your available options.
MORTGAGE LIGHT CAN HELP.
Understanding EPCs and how they affect your mortgage
An EPC gives your home a rating from A (most efficient) to G (least efficient). It’s a legal requirement when selling or renting, but it’s also key to unlocking green mortgage products. Even if you’re unsure whether your property qualifies, we’ll help you interpret your EPC, explain what improvements could help, and show how they could impact your mortgage options or affordability.
Beyond mortgages, EPCs are becoming increasingly important to property buyers and sellers. Search trends show more people are actively looking into EPC ratings before making a move, and properties with lower ratings are often dismissed due to expected running costs or the investment needed to make them more energy efficient. Boosting your EPC rating doesn’t just help with mortgage incentives, it can also increase the value of your home, attract more interest from buyers, and make your property more future-proof in a market that’s increasingly driven by sustainability.
For example:
- Higher EPC = potential for better rates or incentives
- Eco-friendly upgrades may increase your borrowing power
- Lower utility bills could improve long-term affordability
- Improved EPC can boost property value and buyer interest
How Mortgage Light can help
Green mortgage criteria can be a bit of a maze. That’s where we come in. At Mortgage Light, we take a long-term view, helping you secure a deal that aligns with your values without compromising on cost or flexibility. We’ll:
- Check if you're eligible for green mortgage deals
- Compare what’s available across the market
- Explain how any improvements could increase your borrowing power
- Help you plan ahead if you're looking to upgrade your home’s energy efficiency
Our advice is always tailored, and with exclusive access to products across the whole market, we’ll ensure your mortgage supports both your goals and a greener future.
💡 Working with the leading lenders in the whole of market...
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Frequently asked questions
Got a question? It might be answered here. You can also head over to our FAQ page to read more of our frequently asked questions.
Do green mortgages cost more?
Not necessarily. Many lenders actually offer better rates or incentives if the property meets green criteria. We’ll compare these alongside standard deals to ensure you’re getting value.
Can landlords get green mortgages?
Yes. Landlords can often benefit from green products too, especially when upgrading properties or buying newer, more efficient builds. We can advise on how these changes impact affordability and borrowing.
What if my property doesn't qualify yet?
No problem, we’ll still explore the best deal for your current position, and help you map out a path to improving your home’s energy performance if that’s part of your plan.
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HOMEOWNERSHIP FOR EVERYONE.
10 ways first time buyers are getting on the property ladder
As a first-time buyer, there are a number of mortgage products designed to help make homeownership more accessible - particularly if you’re struggling to build up a large deposit.
Low deposit mortgages
Where some lenders will accept deposits as low as 5%, depending on your credit profile and income.
Higher income multiples
Available to applicants with strong rental histories, a high salary, or professional qualifications, often more accessible when you have a larger deposit
Cashback mortgages
A fixed sum back upon completion to help with initial costs - normally linked to new build homes.
Shared ownership
Where you buy a share of a property and pay rent on the remainder – with the option to purchase more shares over time.
Builder or developer incentives
Often offered on new-builds to reduce your upfront costs - there are often ways to work directly with the developer to tailor the deal and explore additional mortgage options.
Joint borrower, sole proprietor mortgages
Sometimes called “income booster” - allowing a parent or family member to support your income without being named on the property
Zero deposit (100%) mortgages
Available in specific circumstances – such as where you've been renting for a period of time and can show a consistent payment record. These are subject to stricter eligibility criteria and affordability checks.
Looking to get more information on your first mortgage?
GREEN MORTGAGE ADVISORS IN MILTON KEYNES
Straight talking mortgage advice.
We make this easy for you. Simply contact us to arrange to come in and discuss your needs. If you’re pushed for time, call one of our expert advisers and we will be able to go through your options in a quick chat over the phone.