Green Mortgages, and some of                       the benefits

Lower Interest Rates: And that means lower monthly payments.

Larger Loans: One High Street lender now uses EPC ratings in affordability calculations. For properties rated A-B, there may be a small increase in the maximum loan amount… and for properties rated F-G, a small decrease. 

££ Incentives: Cashback offers, or fee reductions.

Reduced Monthly Outgoings: Energy efficient homes have lower utility bills, and this can improve your affordability assessment. Lenders always consider your monthly expenses when calculating how much you can borrow, so reduced energy costs will often increase your maximum borrowing capacity.

Future Regulatory Demands: Governments are implementing stricter regulations around energy efficiency for residential properties. A better EPC ensures your home complies, and avoids potential devaluation or difficulty in securing a mortgage further down the road. 

Easier Sales: If you plan to sell or rent out your property, a better EPC rating can make it more appealing. This can help you close deals faster, repay mortgages earlier, or boost rental income. All things that will benefit your overall financial standing.