Green mortgage path · NatWest
NatWest discounts your rate by 0.10%
NatWest's green mortgage takes 0.10% off your initial mortgage rate — but only if your property already has an EPC rating of A or B. It rewards owning an already-efficient home, rather than funding to make one efficient.
Product
Green Mortgage
How it works
Better mortgage rate
Headline figure
0.10% rate discount
What NatWest's Green Mortgage covers
- Existing or new NatWest mortgage on an EPC A or B property
- Product transfers on an EPC A or B property
Eligibility
- Your property already has a valid EPC rating of A or B.
- Available on new mortgages and product transfers with NatWest.
- Standard NatWest underwriting and affordability checks apply.
How to claim
- 01Provide your EPC to NatWest at application stage.
- 02If your home isn't yet EPC A/B, this product doesn't fund the install — you'd need to upgrade first, then refinance once the install lifts your EPC rating.
Important context
This product rewards green properties, not green improvements. If your home is currently EPC C or below, you'd typically use another route to fund the install (e.g. Nationwide's 0% further advance) and then revisit NatWest once the upgrade lifts your rating.
Source. Verified 23 June 2026 against www.natwest.com/mortgages/green-mortgages.html.
Not financial advice. Geko Energy is not a regulated mortgage adviser. The information on this page is factual and sourced from NatWest's own published pages — eligibility for any product is determined by NatWest, not by Geko. Lender terms change; always confirm current terms direct with NatWest before relying on any specific figure. For regulated mortgage advice, speak to an FCA-authorised mortgage broker or NatWest directly.
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0% VAT on installs commissioned before 31 March 2027