Understand your position
We review your goals, income, commitments, deposit or equity and timescale.
SPECIALIST PROPERTY FINANCE
Green and energy-efficient mortgages
Explore eligible mortgage incentives and finance for energy-efficient homes and improvements. Speak to an adviser who will assess your full circumstances, not just a headline number.
No obligation · Initial conversation does not affect your credit score
Written and reviewed by Smart Mortgages specialistsReviewed 21 August 2026 · FCA reference 912358
How we help with green and energy-efficient mortgages
Finding the right funding is about more than comparing rates. Property type, rental or trading income, experience, valuation and ownership structure can all change the outcome.
Compare suitable options
We assess lender criteria, overall cost and suitability, not only the initial rate.
Manage the application
Your adviser and case manager keep the lender, valuation and legal process moving.
Finance for more energy-efficient homes
Green mortgages may reward an eligible EPC rating or support improvements that reduce energy use. Product availability, property criteria and incentives change, so the overall mortgage still needs to be suitable.
Energy-efficient purchase
Check whether the property’s EPC or new-build specification qualifies for an incentive.
Additional borrowing
Explore eligible capital raising for insulation, heating, windows or renewable technology.
Solar panels
Review ownership, lease and installation documents against lender requirements.
Retrofit planning
Consider whether standard borrowing, further advance or specialist renovation finance is appropriate.
Your Smart Mortgages contact
Your local adviser can review the mortgage; specialist renovation enquiries are routed to Aaron or Tennielle.
Finance for more energy-efficient homes FAQs
What is a green mortgage?
It is generally a mortgage offering an incentive, rate feature or borrowing option linked to an energy-efficient property or eligible improvement.
Do all EPC A or B homes qualify?
No. Each lender sets its own property, product and evidence requirements.
Can I borrow to improve my EPC?
Potentially through a remortgage, further advance or other suitable finance, subject to affordability and lender criteria.
Specialist knowledge that can make the difference
Our team regularly works with green mortgages, EPC incentives, energy-efficient homes and retrofit finance. If a lender or another broker has already said no, that does not always mean there is no route forward. We can review your circumstances and whether a different lender or structure may be appropriate.
Frequently asked questions
How much can I borrow?
It depends on the property, income or rent, deposit or equity, experience, credit profile and lender policy. We provide a case-specific assessment.
Does an initial conversation affect my credit score?
No. An initial discussion with our team does not involve a lender credit search.
Can you help throughout the UK?
Yes. Our branches cover Northern Ireland and Scotland, and we advise clients across the UK.