An energy efficient home could save you money
Available to over 18s resident in the Channel Islands, Isle of Man or Gibraltar on selected products for Gibraltar properties with a valid energy performance certificate (EPC) rating of A or B.
Your home or property may be repossessed if you do not keep up repayments on your mortgage.
Helping you move toward a greener future
At NatWest International, we want to help reduce carbon emissions and reward customers who try to do the same.
Green Mortgages reward you for purchasing an energy efficient property in Gibraltar, offering a reduced rate on selected mortgages for a fixed period of two years.
Your Gibraltar property requires to have a valid Energy Performance Certificate (EPC) rating of A or B to be eligible for this offer.
Green Mortgages are currently not available in the Channel Islands or Isle of Man.
Planning to buy a property in the United Kingdom? Please visit our International mortgage section.
Mortgages are offered by The Royal Bank of Scotland International Limited trading as NatWest International (NatWest International). Fixed rate mortgages are subject to availability. The Bank reserves the right to withdraw the rates offered without notice.
Gibraltar Green Mortgage residential products
Representative example - Fixed rate
A mortgage of £200,000 payable over 25 years initially on a fixed rate for 2 years at 3.10% and then our variable rate of 4.75% for the remaining 23 years would require 24 monthly payments of £958.25 and 276 payments of £1,125.50. The total amount payable would be £333,636 made up of the loan amount of £200,000 plus interest of £133,636. A valuation fee of £255 and a CHAPS fee of £30 are also payable.
The overall cost for comparison is 4.5% APRC representative.
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). Fixed rate mortgages are subject to availability. The Bank reserves the right to withdraw the rates offered without notice.
Gibraltar Buy to Let Green Mortgage
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.
Understanding energy certificates in Gibraltar
To be eligible for a Gibraltar Green mortgage, your property requires to have a valid Energy Performance Certificate rating of A or B.
The Department of the Environment and Climate Change (DECC) is the competent authority for Energy Performance Legislation in Gibraltar. For further information, visit the Gibraltar government website.
Talk to our mortgage team
We can help customers purchase a property in Gibraltar if they are resident in one of the following jurisdictions:
- Gibraltar
- Channel Islands
- Isle of Man
To contact us please select one of the following options:
Some of our mortgage products are available on a limited basis only, due to local regulatory and legal requirements.