Can I borrow extra to fund EPC upgrades when remortgaging?

Yes. When remortgaging, many lenders will let you borrow extra to cover approved energy improvements, often at a better rate if the works bring your property to EPC Band C or above.

Are green mortgages available for buy-to-let properties?

Yes. With EPC requirements for rented properties set to tighten, a lot of Lancashire landlords are already looking at how to get ahead of it. Simply Mortgages advises on green mortgage products for both residential and buy-to-let situations.

Green Mortgages & EPC Upgrades

Q: What is a green mortgage?

A green mortgage is a home loan that either rewards energy-efficient properties with a better interest rate, or lets you borrow extra specifically to pay for energy improvements such as insulation, heat pumps or solar panels.

Thinking about making your home more energy efficient? Whether you're buying a greener property, planning upgrades or remortgaging to fund improvements, we'll help you find the right product and make it straightforward.

What is a Green Mortgage?

A green mortgage either rewards energy-efficient homes with a better interest rate, or lets you borrow extra to pay for improvements. As a whole-of-market broker we can search every available product and tell you honestly what makes sense.

Lower rates for energy-efficient homes

Properties with an EPC rating of A or B can access preferential rates from a growing number of lenders. If your home already meets the standard, we'll find the best deal available.

Borrowing extra to fund upgrades

Many lenders let you add the cost of approved improvements to your loan when remortgaging, often at a better rate if the works will bring your property to EPC Band C or above. Works typically include insulation, heat pumps, solar panels, and double glazing.

Does my EPC rating affect what I can get?

It depends on the lender. Some require A or B to access a discounted rate; others will fund the improvements needed to get you there. We'll find the right product based on where your home is right now.

Green mortgages for landlords

Yes. With EPC requirements for rented properties set to tighten, a lot of Lancashire landlords are already looking at how to get ahead of it. We advise on green mortgage products for both residential and buy-to-let situations.

Our Approach: We Find What Actually Works

There is a lot of noise around green mortgages at the moment, and not all products are as good as they look. We cut through the marketing, compare every available option, and give you straightforward advice on whether a green product genuinely saves you money.

Whether you are buying your first home, improving the one you are in, or a landlord wanting to stay ahead of EPC changes, we will take the time to understand your situation and find what genuinely works for you, the same as we do for every family we help.

Green Mortgages & EPC Upgrades

What is a Green Mortgage?

Our Approach: We Find What Actually Works

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