Barclays Green Home Mortgages
Buy an energy efficient home and get a lower rate
We’ll reward you with a lower mortgage rate on certain deals when you buy an energy efficient home – it’s just one of the ways we support greener choices.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Are you eligible?
You could apply for a Barclays Green Home Mortgage if you’re buying a new-build property directly from the builder or developer.
If you’re purchasing a buy-to-let property, you might be eligible for a Barclays Green Buy-to-Let Mortgage
If the home you want to buy has an energy efficiency rating of 81 or above, or is in energy efficiency bands A or B, you could get lower rates on some fixed-term mortgages.
Whether you're buying for the first time or already have a mortgage with us, you're eligible as long as you’re buying the property to live in.
Energy efficiency ratings explained
Every home must have an Energy Performance Certificate (EPC) when it is built, sold or rented – this gives the property an energy efficiency rating from A or 100 (most efficient) to G or 0 (least efficient) and is valid for 10 years.
New-build homes will have a Predicted Energy Assessment (PEA) before they’re finished. This will give you a predicted energy efficiency rating, which you’ll need to confirm this mortgage.
You can still consider our full range of mortgages, whether or not your home is eligible.
How to apply
Use our calculator to see how much you can borrow, and then apply for an Agreement in Principle (AiP). You’ll need to provide the PEA or EPC from your house builder at a meeting with your mortgage adviser, and we’ll check whether you can get a Green Home Mortgage1.
If you don’t have one of these certificates but think your home might be eligible, contact your housebuilder to check the rating and request a PEA or EPC.
Filter your results
Initial period
Deal type
Charges
| Product fee | Annual percentage rate of charge | Follow on rate | Loan to value (LTV) | ||||||||||||||||||||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Product fee | Annual percentage rate of charge | Follow on rate | Loan to value (LTV) | ||||||||||||||||||||||||||||||||||||||||||||||
| 3.96% Barclays Green Home 5 Year Fixed. | |||||||||||||||||||||||||||||||||||||||||||||||||
£899 | 5.6% APRC | 6.49% variable for the remaining term * | 60% (Min loan £5,000, Max loan £2,000,000) | ||||||||||||||||||||||||||||||||||||||||||||||
| 4.09% Barclays Green Home 5 Year Fixed. | |||||||||||||||||||||||||||||||||||||||||||||||||
£899 | 5.7% APRC | 6.49% variable for the remaining term * | 75% (Min loan £5,000, Max loan £2,000,000) | ||||||||||||||||||||||||||||||||||||||||||||||
| 4.26% Barclays Green Home 2 Year Fixed. | |||||||||||||||||||||||||||||||||||||||||||||||||
£0 | 6.2% APRC | 6.49% variable for the remaining term * | 60% (Min loan £5,000, Max loan £2,000,000) | ||||||||||||||||||||||||||||||||||||||||||||||
| 4.35% Barclays Green Home 2 Year Fixed. | |||||||||||||||||||||||||||||||||||||||||||||||||
£0 | 6.3% APRC | 6.49% variable for the remaining term * | 75% (Min loan £5,000, Max loan £2,000,000) | ||||||||||||||||||||||||||||||||||||||||||||||
| 4.52% Barclays Green Home 5 Year Fixed. | |||||||||||||||||||||||||||||||||||||||||||||||||
£899 | 5.9% APRC | 6.49% variable for the remaining term * | 90% (Min loan £5,000, Max loan £640,000) | ||||||||||||||||||||||||||||||||||||||||||||||
| 4.83% Barclays Green Home 2 Year Fixed. | |||||||||||||||||||||||||||||||||||||||||||||||||
£0 | 6.4% APRC | 6.49% variable for the remaining term * | 90% (Min loan £5,000, Max loan £640,000) | ||||||||||||||||||||||||||||||||||||||||||||||
*BEBR means the Bank of England Base Rate, which is currently 4.50% (effective 06 February 2025).
Representative example:
A capital and interest mortgage of £198,000 payable over 300 months on a fixed rate of 4.26% for 2 years and then our variable tracker rate of 1.99% above the Bank of England Base Rate (currently 4.50%), for the remaining term would require 24 monthly payments of £1,073.75 and 276 monthly payments of £1,318.17.
The total amount payable would be £389,689.92 made up of the loan amount plus interest and £0 (product fee), £80 (final repayment charge), £25 (completion fee).
The overall cost for comparison is 6.2% APRC representative.
Important information
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We’ll need to see that your property has an energy efficiency rating of 81 or above, or is in energy efficiency bands A or B, by you providing either an Energy Performance Certificate; or a Predicted Energy Performance Certificate, if your property is not yet built.Return to reference