A green home could save you money
To apply you must be 18+ and resident in Jersey, Guernsey, Gibraltar or the Isle of Man or one of our listed countries and purchasing a home in the UK with a valid Energy Performance Certificate (EPC) rating of A or B. Product fees may apply. Your home or property may be repossessed if you do not keep up repayments on your mortgage.
If you are a UK expatriate or foreign national please visit our International Mortgage site.
Good for your pocket, great for the planet
According to a poll from Ipsos MORI, 85% of UK citizens are concerned about climate change and 52% are very concerned.
According to UK Govt National Statistics (PDF, 1,031 KB), in 2018 residential properties make up 15% of the UK total climate emissions. At NatWest International, we want to help to lower this and reward our customers who are trying to do the same.
Green Mortgages reward you for purchasing an energy efficient home by offering a reduced rate on a 2 year fixed rate mortgage. The offer is only available on selected mortgages marked with ‘Green Mortgage’ and can be changed or withdrawn at any point.
- UK Buy to Let properties at 60% and 75% LTV
- UK Residential properties at 70% and 80% LTV
Buy a UK home with a valid Energy Performance Certificate (EPC) rating of A or B and you could be eligible to select a Green Mortgage product. Early repayment charges may apply.
Found your new energy efficient home? Check its on the EPC register.
Frequently Asked Questions
Buy to live Green Mortgages rates
More information about our 2 year fixed rate
Early repayment charge (payable of capital sum repaid early)
2% until 31/08/2023
1% until 30/08/2024
Availability
Due to limited supply fixed rates are offered on a first come first served basis, therefore the Bank reserves the right to withdraw the rates offered above
Other information
- Drawdown fee £30
- Product fee of 0.75% of the loan amount applies (minimum £1,000, maximum £5,000)
Representative example - Fixed rate
A mortgage of £200,000 payable over 25 years initially on a fixed rate for 2 years at 3.78% and then our variable rate of 4.50% for the remaining 23 years would require 24 monthly payments of £1,030.53 and 276 payments of £1,104.74. The total amount payable would be £329,640.96 made up of the loan amount of £200,000 plus interest of £129,640.96. A product fee of £1,500, a valuation fee of £255 and a CHAPS fee of £30 are also payable.
The overall cost for comparison is 4.5% APRC representative.
Important information
All figures provided are for illustrative purpose only. This is not a formal quotation or a commitment to lend. This will be dependent on your financial situation, property value and the size of your deposit or equity.
Mortgages are offered by The Royal Bank of Scotland International Limited trading as NatWest International (NatWest International). Mortgages on UK properties may not be available to residents of all countries. Fixed rate mortgages are subject to availability. The Bank reserves the right to withdraw the rates offered without notice.
New applications must be submitted via an FCA regulated Mortgage Broker.
Buy to let Green Mortgages rates
More information about our 2 year fixed rate
Early repayment charge (payable of capital sum repaid early)
2% until 31/08/2023
1% until 30/08/2024
Availability
Due to limited supply fixed rates are offered on a first come first served basis, therefore the Bank reserves the right to withdraw the rates offered above
Other information
- Drawdown fee £30
- Product fee of 1.00% of the loan (minimum £495, maximum £5,000)
Important information
All figures provided are for illustrative purpose only. This is not a formal quotation or a commitment to lend. This will be dependent on your financial situation, property value and the size of your deposit or equity.
You must currently own no more than 9 Buy to Let properties and your maximum borrowing amount cannot exceed £3.5 million. Buy to Let properties are subject to a minimum purchase price of £150,000.
Mortgages are offered by The Royal Bank of Scotland International Limited trading as NatWest International (NatWest International). Mortgages on UK properties may not be available to residents of all countries. Fixed rate mortgages are subject to availability. The Bank reserves the right to withdraw the rates offered without notice.
How to apply for a Green Mortgage
Call us to speak to a member of our international mortgage team.
Dedicated broker line: +44 1624 632444
Existing mortgage borrowers: +44 1624 632323
New borrowers (Buy to Let only): +44 1624 632345
Lines are open Monday to Friday 9am - 5pm GMT (except bank holidays). Calls may be recorded.