Barclays Green Home Mortgages

Buy an energy efficient home and get a lower rate

We’ll reward you with a lower mortgage rate on certain deals when you buy an energy efficient home – it’s just one of the ways we support greener choices.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Are you eligible?

You could apply for a Barclays Green Home Mortgage if you’re buying a new-build property directly from the builder or developer.

If you’re purchasing a buy-to-let property, you might be eligible for a Barclays Green Buy-to-Let Mortgage

If the home you want to buy has an energy efficiency rating of 81 or above, or is in energy efficiency bands A or B, you could get lower rates on some fixed-term mortgages.

Whether you're buying for the first time or already have a mortgage with us, you're eligible as long as you’re buying the property to live in.

Energy efficiency ratings explained

Every home must have an Energy Performance Certificate (EPC) when it is built, sold or rented – this gives the property an energy efficiency rating from A or 100 (most efficient) to G or 0 (least efficient) and is valid for 10 years.

New-build homes will have a Predicted Energy Assessment (PEA) before they’re finished. This will give you a predicted energy efficiency rating, which you’ll need to confirm this mortgage.

You can still consider our full range of mortgages, whether or not your home is eligible.

How to apply

Use our calculator to see how much you can borrow, and then apply for an Agreement in Principle (AiP). You’ll need to provide the PEA or EPC from your house builder at a meeting with your mortgage adviser, and we’ll check whether you can get a Green Home Mortgage1.

If you don’t have one of these certificates but think your home might be eligible, contact your housebuilder to check the rating and request a PEA or EPC.

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You can also check our full mortgage range [PDF, 286KB] to see if our other mortgages are suitable for you, download our tariff of mortgage charges [PDF, 265KB] and read our legal information.