Green Mortgages &
EPC Upgrades in Preston
Thinking about making your home more energy efficient? Whether you're buying a green property, planning renovations, or remortgaging to fund improvements — we'll find the right mortgage for you.
What is a green mortgage?
A green mortgage is a home loan designed to either reward energy-efficient properties with a preferential interest rate — or provide additional borrowing specifically to fund energy efficiency improvements.
With energy bills rising and EPC ratings increasingly influencing property values, more homeowners and buyers across Preston and Lancashire are exploring their options.
As a whole-of-market broker, we have access to the full range of green mortgage products in 2026. We'll cut through the jargon and recommend only what's right for your situation.
Green mortgage options at a glance
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Lower rates for properties rated EPC A or B
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Additional borrowing to fund insulation, heat pumps or solar panels
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Cashback incentives on completion from select lenders
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Buy-to-let green products available as EPC requirements tighten
Your questions answered
Can I borrow extra to fund EPC upgrades when remortgaging?
Yes. When remortgaging, many lenders will allow you to borrow additional funds for approved energy improvements — often at preferential rates if the works bring your property to EPC Band C or above. We can model this alongside your standard remortgage options.
Does my home need a specific EPC rating to qualify?
It depends on the lender. Some require the current EPC to be A or B to access a discounted rate; others fund improvements that will bring the property up to a minimum standard. We'll match you with the right product for your home's current rating.
Which improvements qualify for green mortgage funding?
Common qualifying improvements include loft and cavity wall insulation, air or ground source heat pumps, solar PV panels, double/triple glazing, and smart heating controls. Your lender will confirm accepted works before funds are released.
Are green mortgages available for landlords?
Yes — and with minimum EPC requirements for rented properties tightening over the coming years, many Lancashire landlords are proactively exploring their options. We advise on both residential and buy-to-let green mortgage products.
Ready to explore your green mortgage options?
Speak to Steven or Emma for honest advice — from our family to yours.
Get in Touch