Green Mortgages

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.

On this page

What is a Green Mortgage?

Green Mortgage rates

Understand energy certificates

Talk to our mortgage team

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.

Gibraltar Green mortgages

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

If you are buying a home in Gibraltar with an EPC rating of A or B, you may be eligible for our Green Mortgage.

Fixed term

5 Year Fixed Rate

Initial rate

5.76%

5.86%

6.06%

6.16%

Overall cost for comparison

7.0% APRC

7.1% APRC

7.2% APRC

Rate end date

30/11/2028

Rate thereafter (variable)

7.74%

Maximum loan to value

60%

75%

85%

90%

Product fee

No fee

A/B energy efficiency ratings to support Green Mortgage applications must be confirmed on a current EPC provided by a registered domestic assessor.

Try our mortgage calculator

More information about our 5 Year Fixed Rate

Early repayment charge (payable of capital sum repaid early)

5% until 29/11/2024
4% until 28/11/2025
3% until 30/11/2026
2% until 30/11/2027
1% until 30/11/2028

Other information

Minimum loan £30,000
Drawdown fee £30
No product fee

Fixed rate representative example

A mortgage of £200,000 payable over 25 years initially on a fixed rate for 2 years at 6.52% and then our variable rate of 7.74% for the remaining 23 years would require 24 monthly payments of £1,349.05 and 276 payments of £1,493.54. The total amount payable would be £444,594.24 made up of the loan amount of £200,000 plus interest of £244,594.24. A valuation fee of £255 and a CHAPS fee of £30 are also payable.

The overall cost for comparison is 7.7% 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.

Gibraltar Buy to Let Green Mortgage

If you are buying a property in Gibraltar with an EPC rating of A or B, you may be eligible for our Green Mortgage.

A/B energy efficiency ratings to support Green Mortgage applications must be confirmed on a current EPC provided by a registered domestic assessor.

Try our mortgage calculator

More information about our 5 Year Fixed Rate

Early repayment charge (payable of capital sum repaid early)

5% until 29/11/2024
4% until 28/11/2025
3% until 30/11/2026
2% until 30/11/2027
1% until 30/11/2028

Other information

Minimum loan £100,000
Drawdown fee £30
Product fee £999

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.

What is an Energy Performance Certificate?

An Energy Performance Certificate (EPC) will tell you how energy efficient a property is and gives it a rating from A to G (an 'A' rating being very efficient).

EPC certificates could help you to buy a home that wastes less energy, show you what your energy bills might be and give you an estimate of the carbon emissions it produces.

If you're not moving home, an EPC certificate could also help you with a range of energy-efficient ideas for your home. Even if you rent, you could still try some of the smaller ideas, such as draught-proofing.

EPC certificates are valid for 10 years from the date the report is produced.

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:

Gibraltar residents

Guernsey residents

Isle of Man residents

Jersey residents

Some of our mortgage products are available on a limited basis only, due to local regulatory and legal requirements.