Green Mortgage Rates 2026 — Updated October 2026
- Typical green rate discount
- c.0.10%Typical green rate discount
- Usual qualifying rating
- EPC A or BUsual qualifying rating
- Saving on £300,000 over 25 years
- £17 a monthSaving on £300,000 over 25 years
- Last updated
- October 2026Last updated
Several lenders offer lower rates or cashback on homes rated EPC A or B, or for energy-efficiency improvements. Discounts are usually small — around 0.10% or a cashback payment — so compare them against the wider market.
What a green mortgage saves: worked example
- Standard rate
- 4.86%
- Green rate
- 4.76%
- Saving
- £17 a month, £1,039 over 5 years
£300,000 over 25 years on a 5-year fix
Rates rose in September — lock in today, review before completion
The figures above are indicative and describe the best case. Send your own scenario and we will come back the same working day with terms from the lenders that actually fit it.
- Enquiry type
- Mortgage
- About
- Green Mortgage Rates
No upfront fees on loans over £1m.
Enough detail to price it is the amount, the security, the purpose and how you plan to repay. The rest we can fill in on a call.
Whole of market · 130+ lenders · FCA 814533 · Same working day response
Rate context and outlook
The Bank of England held Bank Rate at 3.75% on 17 September 2026, its sixth consecutive hold, but three of nine MPC members voted to raise it to 4.0%. The Committee warned policy may have to tighten if the Middle East conflict persists.
Fixed rates are priced from swap rates, and the 2-year swap rose from 4.26% on 3 September to above 4.70% by mid-month, so most major lenders repriced fixed rates upward two or three times in September. The next decision is on 5 November. If your deal ends in the next six months, securing a rate now and reviewing it before completion is the lower-risk approach.
Reviewed by David Doulton, Director, Doulton Bridging Finance — over 20 years in property finance. Last reviewed 1 October 2026. Doulton Money Ltd t/a Doulton Bridging Finance, FCA No. 814533.
Frequently asked questions
What EPC rating do I need?
Usually A or B for green products; some lenders reward improvements from a lower rating.
Is a green mortgage always cheaper?
Not always; compare it with the best standard deal including fees.
Can I borrow extra for energy upgrades?
Some lenders offer further advances or cashback for improvements.
How much can I borrow?
Usually 4 to 4.5 times income, with some lenders going to 5 or 5.5 times for higher earners and certain professions, subject to affordability.
How long does a mortgage take?
A mortgage in principle takes minutes to a day; a full offer usually takes 2–4 weeks from application.
Is a lower rate with a high fee better than a no-fee deal?
It depends on the loan size. On smaller loans the no-fee deal often wins; we compare the total cost over the fixed period.
How early can I remortgage?
You can secure a new deal up to six months before your current one ends.
What documents will I need?
ID, proof of address, 3 months' payslips and bank statements, or 2 years' accounts or tax calculations if self-employed.
Where this applies
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Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it. Think carefully before securing other debts against your home.
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Independent whole-of-market advice · FCA No. 814533