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An energy efficient home could save you money

Green Mortgages

Online mortgages are provided by NatWest which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority. Royal Bank of Scotland may receive a fee based on a percentage of any mortgage entered into for this referral. NatWest and Royal Bank of Scotland mortgages are available to over 18s. Your home or property may be repossessed if you do not keep up repayments on your mortgage.

What is a Green Mortgage?

  • Our Green Mortgages reward you for purchasing or remortgaging an energy efficient home by offering a reduced mortgage rate on a 2 year or 5 year fixed rate mortgage.
  • If you're purchasing or remortgaging a property with a valid Energy Performance Certificate (EPC) rating of A or B then you could get a mortgage with a lower interest rate with a Green Mortgage.
  • The offer is only available on selected mortgages marked with ‘Green Mortgage’ and can be changed or withdrawn at any point. Max LTV 85%. Early repayment charges may apply.

How much could you save with a Green Mortgage?

Get a personalised indication of how much you could borrow without any obligation to take a mortgage, you can then compare our mortgage rates and find out how much you could save with a Green Mortgage.

Get an Agreement in Principle Open in new window

Green Mortgages are available for purchasing or remortgaging a home with a valid Energy Performance Certificate (EPC) rating of A or B. Product fees may apply.

Why are we offering a Green Mortgage?

According to UK Government Office for National Statistics, approximately 64% of adults in Great Britain said they were somewhat or very worried about the impact of climate change. We want to reward customers who are helping the planet, by owning or buying an energy efficient home, by offering them lower mortgage rates. 

Check the EPC register

Found your new home?  Your new home will need a valid Energy Performance Certificate (EPC) rating of A or B to be eligible to select a Green Mortgage product. Check it's on the UK EPC register or the Scottish EPC register. 

Find out more about EPC certificates

What is a Green Remortgage?

  • We're offering discounted 2 year and 5 year fixed rate mortgages to customers who are remortgaging their home to Royal Bank with a valid Energy Performance Certificate (EPC) rating of A or B.
  • The offer is only available on selected mortgages marked with ‘Green Remortgage’ and can be changed or withdrawn at any point. Max LTV 85%. Product fees apply. Early repayment charges may apply.

How much could you save with a Green Mortgage?

Get a personalised indication of how much you could borrow with an Agreement in Principle, compare our mortgage rates and find out what the saving could be with a Green Mortgage. 

Get an Agreement in Principle Open in new window

Started your Agreement in Principle already?

If you've already started your Agreement in Principle, click here to log in and pick up where you left off.

You can return at any time, edit your Agreement in Principle and use it to quickly apply for your mortgage when you have an offer accepted on a property.

Our approach to climate change

Climate is at the heart of our purpose

As part of the NatWest Group, our climate ambition is to be a leading bank in the UK in helping to address the climate challenge.

We want to deliver a more sustainable economy and future for the customers and communities we serve. Helping to address the climate challenge - one of the biggest issues of our time - lies at the core of our purpose.

Learn more about our approach Open in new window

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What is an EPC?

An Energy Performance Certificate (EPC) rates a property's energy efficiency.
Find out about EPCs Open in new window
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Other mortgage types

There's a lot to think about with a mortgage including what type of mortgage could be right for you. We offer a range of mortgages that you can compare, to help find what’s right for you.