Green mortgages – still a mystery

4 May 2023

As the UK economy moves towards being a net-zero emitter by 2050, the impact of the housing sector moves further into the spotlight. But do homebuyers know (and care) about green mortgages?

New research1 presents a mixed picture. While one in five Brits would not consider buying a house with an Energy Performance Certificate (EPC) below grade C, six million2 UK homeowners don’t even know  what their EPC rating is.

Each lender’s criteria will differ, but typically green mortgages offer a discounted rate or cashback if a property has an EPC rating of A or B.

Currently, around two thirds of owner-occupied homes have an EPC rating below C, leaving vast room for improvement.

  1. MAB, 2022,
  2. Myglazing, 2022


🚨 Data accurate as of the date of publication –……

🚨Think carefully before securing debts against your home.  Your home may be repossessed if you do not keep up repayments on your mortgage.

🚨 The above material is for informational purposes only and does not constitute a sales offer or financial advice. Before taking out any insurance, credit agreement or other financial product, you should obtain individual advice on your requirements and the general terms of the contract.


Source: Quilter Financial Planning – Essentially Mortgages Q1 2023

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