Green Mortgages: Save Money and Go Eco with Quealy & Co

 

If you’re thinking about buying or remortgaging and you’re keen to reduce your bills and your carbon footprint, a green mortgage could be worth exploring. At Quealy & Co Financial Services Ltd, your trusted mortgage broker in Kent, we’re here to help you understand how these eco-friendly mortgages work and whether they’re the right fit for your home and budget.

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What Is a Green Mortgage?

A green mortgage is a type of home loan that rewards you for owning, buying, or improving an energy-efficient property. In most cases, your lender offers:

• Lower interest rates, or

• Cashback incentives,
  if your home meets a certain Energy Performance Certificate (EPC) rating (usually A or B), or if you borrow money to make eco-friendly home improvements.

These improvements might include:

• Better insulation

• Solar panels

• Triple glazing

• Upgraded boilers or heat pumps

At Quealy & Co Financial Services Ltd, we help homeowners and buyers find the right green mortgage options from a wide range of UK lenders.

Why Are Lenders Offering Green Mortgages?

Energy-efficient homes are cheaper to run, meaning you’re less likely to struggle with mortgage repayments. Lenders see that as lower risk, so they’re happy to pass on some of those savings to you in the form of better rates or rewards.

And, of course, it helps lenders and borrowers alike reduce carbon emissions. It’s a small but important step towards a greener Kent.

Understanding EPC Ratings

Every property in the UK is rated on an Energy Performance Certificate (EPC) scale from A (most efficient) to G (least efficient).

If you’re buying a home or remortgaging your existing property, check the EPC rating first. Homes with an A or B rating often qualify for green mortgage incentives, while those rated C or below might need energy upgrades before you can access the best deals.

Are Green Mortgages Cheaper?

Here’s the truth: not always.

While some green mortgages do offer lower rates, others might not be the cheapest option available overall. The key is to compare all your options and consider green and standard mortgages, then calculate the total cost, including any fees or cashback.

At Quealy & Co Financial Services Ltd, our expert mortgage advisers will do this legwork for you, so you know exactly which deal makes financial sense.

Who Offers Green Mortgages in the UK?

More and more lenders now include green options in their mortgage range. You’ll find them from:

• Major high street banks and building societies

• Specialist lenders focused on eco homes

• Lenders offering additional borrowing for energy upgrades

Each has slightly different eligibility rules, so it’s worth speaking with a local mortgage broker who can find the best fit for your circumstances. At Quealy & Co Financial Services LTD, we have access to all types of mortgages and would be happy to help find the right deal for you.

How to Apply for a Green Mortgage

Check your EPC: You will need a valid certificate, preferably rated A or B. You must have an offer accepted on a property before applying for a mortgage. If the money you're borrowing is for energy-efficiency upgrades to your current home, you'll likely need to explain how your property will become more energy efficient.

Get advice from a mortgage broker: Our team will review both green and standard options to find the best deal for you.

Our Take on Green Mortgages

At Quealy & Co Financial Services Ltd, we love helping homebuyers make smart, sustainable choices. A green mortgage can be a brilliant option if:

• Your home is already energy efficient, or
• You’re planning to make eco improvements soon.

But remember “green” doesn’t always mean “cheaper.” That’s why it pays to speak with a local mortgage expert in who can compare all your options and give you honest, tailored advice.

Talk to a Trusted Mortgage Broker

If you’re curious about green mortgages or want to find the most cost-effective deal for your home, our experienced team at Quealy & Co Financial Services is here to help.

We’ll compare lenders, explain your options in plain English, and make sure you’re getting the best deal for your financial and environmental goals.

Get in touch today or visit us at our Borden Village office to speak with one of our trusted mortgage advisers.

Call us: 01795 505761

Email us: mortgages@quealy.co.uk

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

Quealy & Co Financial Services Ltd. is authorised and regulated by the Financial Conduct Authority No. 919693.