95% of green mortgages use EPC ratings
Most lenders require an EPC rating of A-C. Understanding where your property sits on this scale is the first step to unlocking green mortgage products — often with lower rates or cashback.
From 2028, every new build must be gas-free
The Future Homes Standard mandates solar, storage and gas-free heating on all new homes from 24 March 2028. Already, Part L building regulations require high-efficiency standards.
Turn sunlight into savings
Photovoltaic (PV) panels connect to your home's electricity. Solar thermal feeds hot water. Usually no planning permission needed — and MCS-certified systems qualify for the Smart Export Guarantee.
Fabric first — insulate before you install
The most effective approach: improve insulation and airtightness before adding technology. Whether single measures or whole-house retrofit, the right sequence maximises comfort and mortgage benefits.
- Match your EPC rating to the best green mortgage products
- Access lenders offering green incentives and cashback
- Navigate Future Homes Standard for new & self-build properties
- Understand how energy upgrades affect borrowing power
- Calculate long-term savings from an efficient home
- Get expert advice from a certified green homes specialist
