Over time, the importance of sustainable development has increased worldwide. Green mortgages help you take a step toward sustainable living, keeping track of the impact we have on the environment around us.

Lenders today prefer giving green mortgages to borrowers to instill a sense of awareness about the depletion of non-renewable resources.

Let’s know more about green mortgage.

What is a green mortgage?

As the name suggests, a green mortgage is a mortgage that ensures a healthier and safer environment. It is an incentive provided by mortgage lenders, allowing homeowners to have a environment-friendly properties. Green mortgages help you move into houses that limit the consumption of energy and other natural resources to a healthy extent.

A green mortgage home is either built in an eco-friendly way or has work done to achieve the energy performance certificate grade of A to C.

If you are planning to remortgage to a green mortgage, work with an experienced remortgage broker to get your work done.

Green mortgages have gained popularity over time, making more and more lenders have them as an option. Most lenders now provide green mortgages to homebuyers to encourage eco-friendly living.

What is the requirement for green mortgage?

A green mortgage is just like any other mortgage, the only difference is the property is more energy efficient. Different lenders have different eligibility criteria to assess mortgage applications. However, an Energy performance certificate (EPC) rating is a must when it comes to getting a green mortgage.

An EPC rating helps lenders estimate a property’s carbon emissions. An EPC rating allows lenders and borrowers to estimate electricity bills, thereby increasing homebuyers’ affordability.

You can get an EPC rating for your property by visiting the government’s website. If the rating has expired, you can apply for its renewal on the same website.

Can you save on your mortgage by purchasing a green property?

Green mortgages are often associated with new build properties as they tend to have the best EPC ratings. Purchasing a new build property on a green mortgage will be a more beneficial decision as it will reduce your energy bills due to good energy efficiency ratings.

However, some mortgage lenders are strict about the amount they are willing to lend to homebuyers. Borrowers can be restricted to 75% loans for flats and 85% loans for houses.

Additional costs when it comes to green mortgages.

No, there are no additional costs attributed, especially to green mortgages. All the costs and fees involved are the same as they are for conventional mortgages. However, if you want to make changes to the property to improve its EPC rating, you will need to incur some expenses, as discussed above.

What Our Clients Say

Made The Process Easy.

I came across Milton and his team after some research - I was looking to avoid the big money houses after a few disappointing experiences. Milton made the process easy and was transparent throughout. Thanks to the team!

Ashley

8 Jul 2026

Excellent customer service

Excellent customer service, recommend for anyone looking for mortgage.

Kannan S

19 Jun 2026

Very happy with the service provided and...

Very happy with the service provided and would highly recommend it to others.

Chaim B

15 Jun 2026

I had a fantastic experience with Mariannafs...

I had a fantastic experience with Mariannafs. From the very beginning, they were knowledgeable, responsive, and always willing to answer any questions I had. They took the time to explain everything clearly, kept me updated at every stage, and worked hard to secure a mortgage offer that suited my circumstances. Their guidance and support made everything feel simple and manageable. I would highly recommend their services to anyone looking for a reliable, professional, and supportive mortgage broker. Thank you for all your help in making my first home purchase a reality.

Leila

12 Jun 2026

After going through a few mortgage advis...

After going through a few mortgage advisors we’d given up on purchasing a home. Until a family friend who themselves have got their mortgage done through MariannaFS got us in touch with Milton. Sent him the relevant documents and we were assured of a mortgage within a week. Like to thank Nelson as well.

Keith

29 May 2026

I had an excellent experience with Mariannafs...

I had an excellent experience with Mariannafs. Milton and Jeanal assisted us in a every step. They were professional, knowledgeable, and incredibly supportive throughout the entire process. They explained everything clearly, answered all my questions promptly, and made what could have been a stressful experience feel smooth and straightforward. Their attention to detail and commitment to finding the best mortgage deal for my situation was outstanding. I always felt informed and confident at every stage. I would highly recommend their services to anyone looking for a reliable and trustworthy mortgage advisor.

Vishal P

27 May 2026

Great Service, very responsive

Great Service, very responsive - helped us in securing a very good mortgage!

Lisa Sophie

23 May 2026

Amazing Service

Amazing Service and very efficient, would recommend for any financial and mortgage advice

Nalika A

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