Green mortgages
What does your lender actually offer?
Most UK lenders publish a green home-improvement product, but the value varies enormously. Some pay you cashback. Some lend at 0%. Some reward you only if your property is already efficient. Pick your lender below for an honest, verified breakdown.
0% interest loan
Nationwide
Up to £20,000 at 0% interest
Cashback on install
Barclays
Up to £2,000 cashback after install
Cashback on install
Halifax
Up to £1,750 in combined benefits (caveats apply)
Cashback on install
Lloyds Bank
Up to £1,000 cashback (Club Lloyds required)
Better mortgage rate
NatWest
0.10% off your mortgage (EPC A/B homes)
Cashback on install
HSBC
£350–£1,250 cashback (EPC A/B homes)
Your lender isn't here, or you're not sure?
Tell us your lender and we'll look into itWhat we've deliberately left off
Two products you might still see quoted online.
Santander £1,000 green cashback
Closed 30 June 2025. Many third-party sites still list it as live — it isn't. The only Santander-side incentive currently live is a £500 install discount via Octopus, which is tied to Octopus as the installer.
Virgin Money Retrofit Boost
Withdrawn 9 December 2025. The Virgin Money brand transferred to Nationwide on 2 April 2026, so Virgin customers' route now sits inside the Nationwide product set above.
Geko Energy is not a regulated mortgage adviser. All lender information on these pages is factual, sourced from each lender's own published pages and verified on 23 June 2026. Always confirm current terms direct with your lender. Eligibility is determined by your lender, not by Geko. For regulated mortgage advice, speak to an FCA-authorised mortgage broker.
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0% VAT on installs commissioned before 31 March 2027