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Green Mortgages

Rewarding you for buying
an energy efficient home

You could save money buying a greener home

According to a poll from Ipsos MORI, 85% of UK citizens are concerned about climate change and 52% are very concerned.

To help reduce climate change, we want to reward customers who purchase energy efficient homes by offering a discounted 2 year or 5 year fixed rate mortgage and we’ll pay £250 cashback to your solicitor on the day you drawdown your mortgage.

The offer is only available on selected mortgages marked with ‘Green Mortgage - Cashback’ and can be changed or withdrawn at any point. Max LTV 85%.

Use our mortgage calculator to see how much you could borrow, compare our mortgage rates and find out what the saving could be with a green mortgage. Early repayment charges may apply.

Helping you move towards a greener future

According to UK Government National Statistics, residential properties make up 15% of the UK total climate emissions. At Royal Bank, we want to help to lower this and reward our customers who are trying to do the same.

Green Mortgages reward you for purchasing an energy efficient home by offering a reduced rate on a 2 year or 5 year fixed rate mortgage and we’ll pay £250 cashback to your solicitor on the day you drawdown your mortgage.

The offer is only available on selected mortgages marked with ‘Green Mortgage - Cashback’ and can be changed or withdrawn at any point. Max LTV 85%.

Buy a UK home with a valid Energy Performance Certificate (EPC) rating of A or B and you could be eligible to select a Green Mortgage product. Early repayment charges may apply.

Found your new energy efficient home? Check it's on the UK EPC register or the Scottish EPC register. Why not get a personalised indication for a mortgage on the property? You can also see what the monthly costs could be without any obligation to take a mortgage with Royal Bank.

If you have already started your Agreement in Principle, click here to log in and pick up where you left off.

You can return at any time, edit your Agreement in Principle and use it to quickly apply for your mortgage when you have an offer accepted on a property.

Becoming climate positive by 2025

We're setting out a new ambition to be a leading bank in the UK & RoI helping to address the climate challenge; by making our own operations net carbon zero in 2020 and climate positive by 2025, and by driving material reductions in the climate impact of our financing activity.

We're setting ourselves the challenge to at least halve the climate impact of our financing activity by 2030 and intend to do what is necessary to achieve alignment with the 2015 Paris Agreement.

Find out more about RBS Sustainability