Mortgages

Tandem Bank Mortgages

Green mortgages rewarding energy-efficient homes with better rates. Eco cashback, EPC-linked pricing, and retrofit financing from the UK's green banking pioneer.

Green Banking Pioneer

Mortgages that reward efficiency

Tandem Bank has positioned itself as the UK's leading green bank, offering mortgage products that directly reward energy-efficient homes with better rates. Their approach recognises that properties with higher EPC ratings cost less to run and represent lower long-term risk for lenders.

Through Doulton Bridging Finance, we help you access Tandem's innovative green mortgage range. Whether your property already has strong energy credentials or you plan to make green improvements, we can structure your mortgage to maximise the financial benefits of energy efficiency.

Green

Mortgage Focus

EPC

Linked Rates

Cashback

Eco Improvements

Digital

First Process

Why Doulton

Green mortgage expertise

Green Mortgage Products

Tandem's signature green mortgages reward energy-efficient homes with preferential rates, making it financially beneficial to buy or improve a property with a strong EPC rating.

Eco Cashback

Access cashback specifically for making green home improvements such as insulation, heat pumps, and solar panels, helping you reduce energy bills while lowering your mortgage costs.

EPC-Linked Rates

Better energy performance ratings can unlock lower interest rates with Tandem, creating a direct financial incentive to invest in your property's energy efficiency.

Competitive Standard Rates

Beyond their green products, Tandem offers competitive standard mortgage rates across a range of fixed-term products for residential purchases and remortgages.

Digital-First Process

A modern, technology-driven application process that is efficient and transparent, with clear progress tracking and minimal paperwork compared to traditional lenders.

Retrofit Financing

Additional borrowing options for retrofitting your home with energy-saving improvements, bundled into your mortgage to spread the cost over a longer term.

The Process

How it works

Green Assessment

We review your property's energy efficiency alongside your financial circumstances to identify whether Tandem's green mortgage products could benefit you.

Rate Comparison

We compare Tandem's green and standard mortgage products against the wider market to ensure you are getting the best deal for your specific situation.

Application Support

We guide you through Tandem's application process, helping with EPC documentation and ensuring your application highlights any green property features.

Completion

We manage your mortgage through to completion, including coordinating any eco cashback claims or green improvement financing that forms part of your deal.

Explore Tandem Bank green mortgages

Find out how your property's energy efficiency could unlock better mortgage rates. Get expert advice on Tandem's green products today.

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FAQs

Frequently asked questions

Can I get a Tandem Bank mortgage through Doulton?

Yes. We hold broker agencies with Tandem Bank where available and can access their intermediary product range. Where Tandem Bank is not the right fit, we will benchmark their offer against every other lender on our panel and recommend the most cost-effective overall deal.

Why apply to Tandem Bank via a broker rather than direct?

Most UK mortgage lenders reserve a portion of their range - often including their sharpest rates - for intermediary-introduced business. Going through a broker also means you are not locked to one lender's criteria: if Tandem Bank cannot take your case, we can place it elsewhere without a declined application showing on your credit file.

What LTV and loan size does Tandem Bank offer?

Tandem Bank's maximum LTV and loan size vary by product and property type. We check current criteria at the point of enquiry - residential, buy-to-let, high-value and specialist ranges each have their own limits. Tell us your requirement and we will come back with exactly what Tandem Bank can support today.

What if my application is complex - non-standard income, expat status, adverse credit?

Mainstream high-street lenders are rarely the right home for complex applications. We work with specialist, private and challenger banks alongside the names you will recognise, which means we can often place cases that would be rejected by a direct approach.

How long does a mortgage application take?

Typical timelines are 2-4 weeks from application to offer for straightforward cases, and 4-8 weeks for cases needing valuation, specialist underwriting or complex income review. Exchange and completion after that is driven by your conveyancer's pace.

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