Green mortgages are home loans that reward buyers for choosing energy-efficient properties, like new builds, with better rates or enhanced affordability. Because modern homes are built to high energy-performance standards, many lenders offer lower interest rates, cashback, or higher lending limits when you purchase a home with a strong EPC rating. This recognises that energy-efficient homes typically cost less to run, making them more sustainable and more affordable over the long term. For our customers, a green mortgage can be an excellent way to reduce monthly payments while enjoying a warmer, more efficient new home from day one.