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 an energy efficient new-build property from one of our partner house builders: Barratt Homes, Bellway, Berkeley Group, Bloor Homes, Bovis Homes, Countryside Properties, Crest Nicholson, Fairview, Kier Living, Linden Homes, Miller Homes, Persimmon Homes, Redrow and Taylor Wimpey.

If the home you want to purchase has an energy efficiency rating of 81 or above, or is in energy efficiency bands A or B, you could get lower rates on certain fixed rate 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 also have a Predicted Energy Assessment (PEA) before they are finished – if you buy through our partner housebuilders, the property could be eligible for a Green Home Mortgage. The PEA will provide you with 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.

A complete list of our current mortgage rates is available here. [PDF, 517KB]

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