Greener Home Finance

Greener home finance

Let’s talk about Barclays Green Mortgages

Whether you’re a landlord or a first-time buyer, we are here to explain our Green Mortgage range to you.

According to Energy Saving Trust, direct and indirect emissions from buildings accounted for 23% of the UK’s total greenhouse gas emissions in 2019.1 Since 2018, we’ve been offering green mortgages to reward our customers for choosing to buy certain new build properties. With more than half the UK population already open to the idea of green mortgages,2 we’ve broken down everything you need to know about our current Green Mortgages range.

Barclays Green Home Mortgages

What is it?

Simply put, Barclays Green Home Mortgages reward customers who buy new build homes with an EPC rating of A or B, by charging a lower interest rate compared to a standard mortgage. It rewards customers for choosing a more energy efficient home by paying less on their mortgage.3

Who’s it for?

This mortgage type is available for first-time buyers (including shared ownership), existing Barclays mortgage customers buying a new property or if you’re moving home.

To find out more about mortgage rates visit barclays.co.uk/mortgages/


Barclays Green Buy-to-Let Mortgages

What is it?

Similar to Barclays Green Home Mortgages, Barclays Green Buy-to-Let Mortgages offer lower interest rates when buying a new-build property to let, with an energy efficiency rating of A or B. 

Who’s it for?

Whether you’re buying your first buy-to-let or already have one or more mortgages4, you’re eligible to apply.

Terms and conditions

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

If the property 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.

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

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

Whether you're buying your first buy-to-let or already have one or more mortgages, you're eligible to apply for a Barclays Green Buy-to-Let Mortgage.

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

If you decide to access any of the third-party websites, you do so entirely at your own risk.


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Greener Home Reward

With our Greener Home Reward, eligible existing Barclays residential mortgage customers can apply for up to £2,000 to help make selected home energy efficiency-related improvements, with no need to apply for additional borrowing.

EPCs explained

Learn more about Energy Performance Certificates

Is your property as energy efficient as it could be? With ongoing changes in energy prices, there’s never been a better time to understand more about your home’s energy performance.