Green Mortgages

Our Green Mortgages allow you to purchase a property, remortgage from another lender, capital raise and switch product from another SBS mortgage. It offers lower monthly repayments during the term of the mortgage compared to our Standard Variable Rate. The maximum Loan to Value (LTV) is the amount of a mortgage expressed as a percentage of the purchase price or valuation, whichever is the lower. The property must have a EPC rating of A or B to qualify for this product.

Green Mortgages

At Swansea Building Society, we're committed to helping our customers make sustainable choices for their homes and the environment. That's why we're proud to offer Green Mortgages, a type of home loan that incentivises and rewards energy-efficient and eco-friendly properties.

What are Green Mortgages?

Green Mortgages are home loans that encourage the purchase, upgrading or construction of energy-efficient and sustainable homes. To qualify for a Green Mortgage, the property must have or as a result of improvements being made an Energy Performance Certificate (EPC) rating of A or B, which indicates that the property has been designed, built, or renovated with energy-efficient features and materials.

These mortgages are designed to promote energy-efficient home improvements, such as the installation of solar panels, high-efficiency heating and cooling systems, and insulation.

The goal of green mortgages is to help homeowners save money on energy bills, reduce their carbon footprint, and increase the value of their home. In addition, these mortgages are seen as a way to encourage the construction / enhancement of more sustainable homes and reduce overall energy consumption.

What is an EPC?

An EPC is a document that assesses the energy efficiency of a property, and rates it on a scale of A to G, with A being the most efficient and G being the least efficient. Properties with higher EPC ratings are more energy-efficient and have lower energy costs.

A property with an EPC rating of A or B typically means that it has been designed, built, or renovated with energy-efficient features and materials, such as high-quality insulation, efficient heating and cooling systems, and renewable energy sources like solar panels. These features not only make the property more sustainable and environmentally friendly, but they can also result in lower energy bills for the homeowner.

By requiring a minimum EPC rating of A or B, green mortgages incentivise homeowners to invest in energy-efficient properties or make energy-efficient upgrades to their existing homes, which can have long-term benefits for both the homeowner and the environment.

How can Green Mortgages benefit you?

There are several benefits to choosing a Green Mortgage, including:

  • Lower interest rates: Our Green Mortgages offer lower interest rates terms to borrowers who purchase, construct energy-efficient homes or make energy-efficient upgrades to their existing homes.
  • Lower energy bills: Energy-efficient homes can significantly reduce energy bills, saving homeowners money in the long run.
  • Higher property value: Energy-efficient homes tend to have a higher resale value than less efficient homes, which can be a valuable investment for homeowners.
  • Environmental benefits: By choosing a Green Mortgage and investing in energy-efficient features, homeowners can reduce their carbon footprint and contribute to a more sustainable future.
How do I apply for a Green Mortgage?

To apply for a Green Mortgage, simply contact us online or speak with one of our in-branch mortgage specialists. We'll guide you through the application process and help you determine if a Green Mortgage is the right choice for you.

At Swansea Building Society, we're committed to promoting sustainable homeownership and supporting our customers' efforts to reduce their environmental impact. Contact us today to learn more about our Green Mortgages and how we can help you make a positive difference for your home and the planet.

Mortgage Interest Rates

(click on the mortgage product name for more information)

Residential Purchase/


Maximum Loan to Value of Property (LTV)

Variable Interest Rate

The overall cost for comparison is*

APRC based on a loan value of:

Green Mortgage (GRN24)

1.80% discount off Standard Variable Rate (SVR) for term of loan



6.10% APRC



Local Mortgage Manager

Please contact your local mortgage manager today for more information.

Alternatively, please complete the call me back page and one of our mortgage managers will contact you.

Your home may be repossessed if you do not keep up repayments on your mortgage. Think carefully before securing other debts against your home.