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Green Mortgages: A Smart Way to Buy an Energy-Efficient Home

Published on 17 July 2025

At Chichester Developments, we believe in creating homes that not only meet your lifestyle needs but also contribute to a more sustainable future. If you’re considering one of our new-build homes, you might be eligible for a Green Mortgage, an eco-friendly option that rewards you for choosing an energy-efficient property.

What is a Green Mortgage?

A green house in a field

What is a Green Mortgage?

  • Exclusively for homes with high EPC ratings (B and above)
  • Typically offers lower interest rates than standard mortgages
  • Aims to encourage energy-saving improvements
Housing developer using a calculator to calculate the cost of buying a new home.

How They Work

  • Lenders factor reduced energy bills into calculations
  • Choose reduced rates, cashback or extra borrowing
  • Borrow more against projected bill cuts
Contractor installing solar panels on roof of new house

Considerations Before Applying

  • You must pass standard credit and affordability checks.
  • Eco-upgrade costs (e.g. insulation, solar) can be high.
  • Always compare green and standard deals for best terms.
Half a house model with an energy efficiency chart, a calculator and stacks of gold coins on a white background. Illustration of the concept of energy saving and conservation

Is a Green Mortgage Always the Best Deal?

Not always. While green incentives are attractive, green mortgages aren’t always the cheapest option across the whole
market. It’s always best to compare all your options.

Green mortgages are subject to status, valuation and lender criteria. Interest rates, fees and terms may vary and are correct at the time of publication. This guide was produced by our selling agents Webbers and is for general information only. Neither Webbers nor Chichester Developments accepts any responsibility for any errors or omissions. Always seek financial advice and compare mortgage products before applying.