An Introduction To Green Mortgages

Caz Blake-Symes • September 2, 2025

In our day-to-day lives, we are constantly striving to change our habits to protect the environment and contribute to saving the planet. This commitment extends to the mortgage industry, where a new type of mortgage, known as a green mortgage, has emerged. In this blog, we will delve into the details of this innovative mortgage product.


What is a green mortgage?

A green mortgage is similar to a regular mortgage, but you can receive benefits for owning an energy-efficient house. To qualify for a green mortgage, your home must have good insulation in the floors, walls, and roof to effectively trap heat, double-glazed windows, and energy-efficient lighting and electrical appliances. With these features, you can save money on your monthly energy bills. Most lenders will offer a better interest rate if the property is energy efficient.



How can I get a green mortgage?

In order to qualify for a green mortgage, your house will need to have an Energy Performance Certificate (EPC) rating. The EPC rating measures the energy efficiency of a property, with an A rating indicating high efficiency. To be eligible for a green mortgage, your house must have either an A or B rating on the EPC chart. If you're interested in exploring green mortgage options, please feel free to reach out to our team for an appointment. We can guide you through the process and help you find the most suitable green mortgage for your needs.

Can I remortgage from a regular mortgage to a green mortgage?

If you are looking to remortgage your house and are looking to upgrade your house to be more energy efficient and sustainable you can remortgage and change your mortgage over to a green mortgage. This is only available from a few lenders. The most suitable way to sort out a remortgage would be to contact one of our advisers so you can get the support needed.


Would having energy-efficient upgrades increase my house value?

Making energy-efficient upgrades to your house can increase its value. People understand that these upgrades can help reduce their energy bills, leading to an increase in the value of the house.


How can I find the most suitable green mortgage?

To find the most suitable mortgage, make sure to schedule an appointment with  Russell Green, our Senior Adviser.. We provide personalised care and ensure that you can access the most suitable mortgage.


We’re here to help you:

Navigating the process of determining your eligibility for a green mortgage can feel overwhelming, but we’re here to make it simple. Russell is ready to provide personalised advice tailored specifically to your financial and sustainability goals, ensuring you receive the most suitable guidance possible.


Reach out to us today to explore your options and schedule a no-obligation consultation. Together, we'll work to find the ideal mortgage solution for your unique situation and help you take confident steps towards a greener, more energy-efficient home.


Please visit the Green Mortgages section of our website

www.westonmortgagesonline.com/greenmortgages


How to Contact Us

Tel 01934 442023

Email russell@swmortgages.com

Complete a form via our website www.westonmortgagesonline.com



Our initial mortgage consultation is free and with no obligation; should you proceed to an application, there will usually be a fee for mortgage advice. The precise amount of the fee will depend upon your circumstances, but will range from £ 290 to £490, and this will be discussed and agreed with you at the earliest opportunity.



Please remember: YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

 

Is Your Mortgage Deal Ending This Year?

By Russell Green • February 19, 2026
If you took out a two, three or five-year fixed mortgage a few years ago, 2026 could be an important year for you. Around 1.8 million homeowners are coming to the end of fixed-rate deals taken out in 2021, 2022 and 2023. As those deals expire, borrowers face a decision about what happens next and doing nothing may not

The 2026 Homeowner Check-Up.

By Russell Green • February 10, 2026
As we move through 2026, there are a few sensible checks worth making. Not because anything is necessarily wrong, but because life changes, costs move on and reviewing things occasionally can help avoid surprises later.

First home, faster with My First Mortgage from Santander

By Russell Green • February 3, 2026
On 3 February, Santander are the first large lender to launch a First-time Buyer Mortgage over 95% LTV. It’s called My First Mortgage and is up to 98% LTV. Supporting FTBs is a key focus for us whilst lending responsibly.

Exploring the Benefits and Considerations of Green Mortgages

By Russell Green • January 27, 2026
Green Mortgages are a recent introduction to the mortgage market, and every new product raises a lot of questions. In this blog, we will explore the advantages and considerations of a green mortgage.

Our Guide For First-Time Buyers

By Caz Blake-Symes • January 22, 2026
Buying your first home is one of the most exhilarating milestones you’ll ever hit—but it’s also likely the most complex financial puzzle you’ll ever solve. Between the "Sold" signs and the champagne toasts lies a mountain of paperwork, jargon, and high-stakes decisions.

Secure Your Future Remortgage Now!

By Caz Blake-Symes • January 14, 2026
Remortgaging is the process of switching your existing mortgage to a new deal, either with your current lender or a different one. It is one of the most effective ways to manage your largest monthly expense.

Thinking of Moving or Changing Your Mortgage in 2026?

By Caz Blake-Symes • January 6, 2026
Happy New Year! Hope you all had a good Christmas Break and avoided the dreaded coughs and colds. I had the opportunity over the holiday to review many of the various property and finance reports available online, as well as those to which I subscribe. Pleasingly, the general tone is very optimistic.

Season's Greetings from Russell Green

By Caz Blake-Symes • December 20, 2025
2025 has been a very busy year for us all here at Weston Mortgages Online. Our most significant change was that we joined the HL Partnership network. This has been a very positive move. We have access to a greater number of lenders, with many offering a much broader and more flexible lending criteria. The administratio

Base rate cut to 3.75%: what could it mean for mortgages?

By Caz Blake-Symes • December 18, 2025
The Bank of England meets every six weeks to decide what should happen to interest rates, with the aim of keeping inflation to its target and keeping the wider economy healthy. Today, Base Rate was cut from 4% to 3.75%. Inflation fell to 3.2% yesterday, which, while the lowest level it’s been in eight months, is still

Common Bank Statement Mistakes That Could Delay Your Mortgage

By Caz Blake-Symes • December 3, 2025
Applying for a mortgage is exciting, but it often involves more scrutiny than people expect. One of the first things a lender looks at is your bank statements. They give a real-time picture of how your money is managed, whether your income is steady, and whether your spending habits suggest you can comfortably take on