Green Building Forum - Lower mortgage rates for "Greener" homes? Tue, 09 Jun 2026 08:20:19 +0100 https://www.greenbuildingforum.co.uk/newforum/ Lussumo Vanilla 1.0.3 Lower mortgage rates for "Greener" homes? https://www.greenbuildingforum.co.uk/newforum/comments.php?DiscussionID=9395&Focus=152850#Comment_152850 https://www.greenbuildingforum.co.uk/newforum/comments.php?DiscussionID=9395&Focus=152850#Comment_152850 Fri, 27 Jul 2012 16:11:54 +0100 chriskemp They also appear to support self builders.

Thought this maybe of interest to anyone looking to finance a self build?

(I am not affiliated in any way, but hope to use them on a number of fronts!)]]> Lower mortgage rates for "Greener" homes? https://www.greenbuildingforum.co.uk/newforum/comments.php?DiscussionID=9395&Focus=152851#Comment_152851 https://www.greenbuildingforum.co.uk/newforum/comments.php?DiscussionID=9395&Focus=152851#Comment_152851 Fri, 27 Jul 2012 16:41:53 +0100 Nick Parsons Lower mortgage rates for "Greener" homes? https://www.greenbuildingforum.co.uk/newforum/comments.php?DiscussionID=9395&Focus=152853#Comment_152853 https://www.greenbuildingforum.co.uk/newforum/comments.php?DiscussionID=9395&Focus=152853#Comment_152853 Fri, 27 Jul 2012 16:55:21 +0100 chriskemp Lower mortgage rates for "Greener" homes? https://www.greenbuildingforum.co.uk/newforum/comments.php?DiscussionID=9395&Focus=152855#Comment_152855 https://www.greenbuildingforum.co.uk/newforum/comments.php?DiscussionID=9395&Focus=152855#Comment_152855 Fri, 27 Jul 2012 17:02:30 +0100 Joiner :confused:]]> Lower mortgage rates for "Greener" homes? https://www.greenbuildingforum.co.uk/newforum/comments.php?DiscussionID=9395&Focus=152856#Comment_152856 https://www.greenbuildingforum.co.uk/newforum/comments.php?DiscussionID=9395&Focus=152856#Comment_152856 Fri, 27 Jul 2012 17:05:34 +0100 Nick Parsons

Go on, Chris, tell us!]]> Lower mortgage rates for "Greener" homes? https://www.greenbuildingforum.co.uk/newforum/comments.php?DiscussionID=9395&Focus=152857#Comment_152857 https://www.greenbuildingforum.co.uk/newforum/comments.php?DiscussionID=9395&Focus=152857#Comment_152857 Fri, 27 Jul 2012 17:07:53 +0100 chriskemp shiit forgot the link!!!!!

here goes.

http://www.ecology.co.uk/mortgages/c-change-sustainable-homes/

(I'm too hot and can't be bothered)]]> Lower mortgage rates for "Greener" homes? https://www.greenbuildingforum.co.uk/newforum/comments.php?DiscussionID=9395&Focus=152859#Comment_152859 https://www.greenbuildingforum.co.uk/newforum/comments.php?DiscussionID=9395&Focus=152859#Comment_152859 Fri, 27 Jul 2012 17:39:13 +0100 RobinB Lower mortgage rates for "Greener" homes? https://www.greenbuildingforum.co.uk/newforum/comments.php?DiscussionID=9395&Focus=152863#Comment_152863 https://www.greenbuildingforum.co.uk/newforum/comments.php?DiscussionID=9395&Focus=152863#Comment_152863 Fri, 27 Jul 2012 22:44:23 +0100 djh
http://www.greenbuildingforum.co.uk/newforum/comments.php?DiscussionID=8925

(that said, I do think they do good work, and I am a member)]]> Lower mortgage rates for "Greener" homes? https://www.greenbuildingforum.co.uk/newforum/comments.php?DiscussionID=9395&Focus=152907#Comment_152907 https://www.greenbuildingforum.co.uk/newforum/comments.php?DiscussionID=9395&Focus=152907#Comment_152907 Sun, 29 Jul 2012 10:38:13 +0100 SteamyTea Lower mortgage rates for "Greener" homes? https://www.greenbuildingforum.co.uk/newforum/comments.php?DiscussionID=9395&Focus=152909#Comment_152909 https://www.greenbuildingforum.co.uk/newforum/comments.php?DiscussionID=9395&Focus=152909#Comment_152909 Sun, 29 Jul 2012 10:43:14 +0100 fostertom Lower mortgage rates for "Greener" homes? https://www.greenbuildingforum.co.uk/newforum/comments.php?DiscussionID=9395&Focus=152922#Comment_152922 https://www.greenbuildingforum.co.uk/newforum/comments.php?DiscussionID=9395&Focus=152922#Comment_152922 Sun, 29 Jul 2012 13:36:00 +0100 Pugliese Lower mortgage rates for "Greener" homes? https://www.greenbuildingforum.co.uk/newforum/comments.php?DiscussionID=9395&Focus=152927#Comment_152927 https://www.greenbuildingforum.co.uk/newforum/comments.php?DiscussionID=9395&Focus=152927#Comment_152927 Sun, 29 Jul 2012 14:51:30 +0100 chriskemp A bit like triodos bank]]> Lower mortgage rates for "Greener" homes? https://www.greenbuildingforum.co.uk/newforum/comments.php?DiscussionID=9395&Focus=152935#Comment_152935 https://www.greenbuildingforum.co.uk/newforum/comments.php?DiscussionID=9395&Focus=152935#Comment_152935 Sun, 29 Jul 2012 16:44:35 +0100 RobinB Posted By: SteamyTeaI fail to see how the risk (judged by the interest rate) for an 'ECO/Green/Low Carbon" home is lower for the occupants than a similar sized place that is ordinary.
They should be spending less on fuel so have more left to pay the mortgage.]]> Lower mortgage rates for "Greener" homes? https://www.greenbuildingforum.co.uk/newforum/comments.php?DiscussionID=9395&Focus=152937#Comment_152937 https://www.greenbuildingforum.co.uk/newforum/comments.php?DiscussionID=9395&Focus=152937#Comment_152937 Sun, 29 Jul 2012 17:47:17 +0100 DamonHD
Rgds

Damon]]> Lower mortgage rates for "Greener" homes? https://www.greenbuildingforum.co.uk/newforum/comments.php?DiscussionID=9395&Focus=152938#Comment_152938 https://www.greenbuildingforum.co.uk/newforum/comments.php?DiscussionID=9395&Focus=152938#Comment_152938 Sun, 29 Jul 2012 17:59:54 +0100 SteamyTea What rates are they offering? Are they really cheaper over the normal 25 to 30 year period? Do they require a very large deposit?]]> Lower mortgage rates for "Greener" homes? https://www.greenbuildingforum.co.uk/newforum/comments.php?DiscussionID=9395&Focus=152961#Comment_152961 https://www.greenbuildingforum.co.uk/newforum/comments.php?DiscussionID=9395&Focus=152961#Comment_152961 Mon, 30 Jul 2012 14:32:48 +0100 djh Posted By: SteamyTeaI fail to see how the risk (judged by the interest rate) for an 'ECO/Green/Low Carbon" home is lower for the occupants than a similar sized place that is ordinary. I suspect that it is just am invitation to treat rather than a genuine offer if all other things are equal.
I think you're rather missing the point. Their reason for existence, paraphrased from http://www.ecology.co.uk/about/ is to save resources, and improve building and buildings. Providing cheaper mortgages (or indeed any mortgage at all) for eco-builds is one way they do that. Managing the risks is just a constraint on their actions, not the defining purpose of them. Their "mission" is the reason I support them, not any special way they exploit, or fail to exploit, the detailed risks.

What rates are they offering? Are they really cheaper over the normal 25 to 30 year period? Do they require a very large deposit?

You can look at their website just as well as the rest of us :devil:]]> Lower mortgage rates for "Greener" homes? https://www.greenbuildingforum.co.uk/newforum/comments.php?DiscussionID=9395&Focus=152965#Comment_152965 https://www.greenbuildingforum.co.uk/newforum/comments.php?DiscussionID=9395&Focus=152965#Comment_152965 Mon, 30 Jul 2012 15:44:06 +0100 SteamyTea
Compared to:
http://www.moneysupermarket.com/mortgages/?source=GOO-2913B1ED&p=0&keywords=mortgage+ratesExact&ef_id=fFJQFpt8dbwAABuB:20120730143436:s

Where it goes from 2.99% (APR 4.8%) to 2.85% (APR 5.5%)

They lend about 2.5 times income and you seem to need somewhere between 15 to 50% deposit.

So as I said earlier, an invitation to treat.]]> Lower mortgage rates for "Greener" homes? https://www.greenbuildingforum.co.uk/newforum/comments.php?DiscussionID=9395&Focus=152971#Comment_152971 https://www.greenbuildingforum.co.uk/newforum/comments.php?DiscussionID=9395&Focus=152971#Comment_152971 Mon, 30 Jul 2012 17:34:42 +0100 chriskemp Either party can walk away at any point until the point of actual sale or contract being entered into.]]> Lower mortgage rates for "Greener" homes? https://www.greenbuildingforum.co.uk/newforum/comments.php?DiscussionID=9395&Focus=152981#Comment_152981 https://www.greenbuildingforum.co.uk/newforum/comments.php?DiscussionID=9395&Focus=152981#Comment_152981 Mon, 30 Jul 2012 20:16:03 +0100 willie.macleod
Their interest rate isn't linked to BoE base rate or anything else - they pay interest on their savings with the money lent out on their mortgages - proper building society.

(speaking as one who hopes to be taking advantage of this discount once a house is up with a shiny new "A" SAP cert :bigsmile:)]]>