Green Finance & Mortgages

Finance the gap after
your grants are applied

Grants cover part of the cost. Green mortgages and retrofit loans cover the rest — often at lower rates than standard products, because lenders reward energy efficiency.

What would I need to finance?

Heat pump installed at £14,000. After the £7,500 Boiler Upgrade Scheme grant, you finance just £6,500.

£14,000
Total installation cost
-£7,500
Grant deduction
£6,500
Amount to finance
~£124/mo
Est. monthly (5yr)

Monthly estimate assumes 7% APR over 5 years. Actual rates vary.

Green finance options

Nationwide

Green MortgageGreen Reward
4.29% fixed 5yr
Up to
£1,000,000
£250 cashback for A/B EPC homes
£250 cashback for EPC A or B rated homes
Competitive rates vs standard range
No fee option available
Up to 95% LTV
Learn more at Nationwide

Halifax

Green Mortgage
4.35% fixed 5yr
Up to
£500,000
Cashback for EPC A/B improvements
Reward if you improve EPC to A or B
Green Home Reward: up to £2,000
No early repayment charges option
Free valuation
Learn more at Halifax

Ecology Building Society

Retrofit LoanBest for retrofits
From 5.99% variable
Up to
£250,000
Lower rate as EPC improves
Rate reduces as your EPC improves
Specifically designed for retrofits
Fund solar, insulation, and heat pumps
Available for unusual properties
Learn more at Ecology Building Society

Zopa

Home Improvement LoanUnsecured option
From 6.9% APR
Up to
£35,000
No early repayment fees
Unsecured — no risk to your home
Cover solar, insulation, or heat pump costs
Instant decision
No early repayment charges
Learn more at Zopa

Want personalised mortgage advice?

A whole-of-market broker can find you the best green mortgage or retrofit loan for your situation. Free to use — the lender pays the broker fee. Leave your details and we'll connect you.

Free service. The mortgage lender pays the broker fee, not you.

Disclosure: EnergyHomeCheck may receive a referral fee when connecting you with mortgage brokers or lenders. This does not affect the advice or products recommended. Always compare independently before committing to any financial product. Your home may be at risk if you do not keep up repayments on a mortgage secured against it.