Greener Mortgages

Lower costs you'll love

If you’re buying a leaner, greener new build, bag a lower rate on us

A or B rated new builds come with lots of energy saving extras. Whether that’s top quality insulation or solar panels, it helps keep your energy costs and carbon emissions down. And that’s worth rewarding.

Luscious lower rates
Get a lower rate than our core range, fixed over 2 or 5 years, for buying an A or B energy rated new build.
Super energy savings
New builds can take less energy to heat and power than most other homes. So you could save on bills and carbon emissions too.
Fabulously flexible payments
You can ask to overpay by up to 10% a year with no early repayment charges. You can also apply for payment holidays. Let us know and we’ll help you flex your repayments.

View our flexibility options

Don’t risk losing your home – keep up those mortgage repayments

For lean, green new builds

If you’d like a Greener Mortgage, here are 3 things to check first.

You're buying a new build
If you’re looking for a new build home, this range could be right for you.
It’s A or B energy rated
Check the energy performance certificate (EPC), or predicted energy assessment if the house is still being built. Your builder can give you a copy. We’ll also want to see this when you apply.
You've got a 15% deposit
That’s the minimum you need to apply for a Greener Mortgage. And whatever deal you go for, we’ll always check it’s right for you before we make an offer.

Check you're mortgage ready

Stepping up your search? Take five minutes to see how much we could lend you, without affecting your credit score.

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How much can you borrow?

Starting out on your journey? Use our quick calculator to get an idea of how much you could borrow from us.

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Find a Greener Mortgage

Tell us what you’re looking for and let’s see if our mortgages work for you.

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More ways to save energy

Buying an energy efficient home is a good start, but it’s how we use it that counts.

Reducing emissions wherever we can is always important. Especially if we want to lead net-zero lives, where we produce no more carbon than we remove.

How green can your home go?

There are lots of things you can do reduce household emissions, and they don’t need to cost the earth. From being smart about heating to watching your water usage. Any changes, large or small, can make a difference.

Check out the government's guide and find ways to save energy in your home

Banking on a brighter future

We’re committed to a climate-positive future and we’ve joined the Net-Zero Banking Alliance. So we’ve promised to reduce our carbon footprint and be a net-zero bank by 2050.

Learn more about sustainability at Virgin Money

Fancy a chat?

Our mortgage specialists are here to help answer your questions, talk through your needs then help you apply by arranging an appointment with one of our mortgage and protection advisors.

Start your Application

Phone us on

0345 605 0500

We're here from 9am to 5pm Monday to Friday and 9am to 1pm on Saturday.

Call charges and information

Number	Cost
03 numbers	Same as calls to 01 or 02 numbers and they are included in inclusive minutes and discount schemes in the same way.
084 numbers	Maximum of 7p per minute, plus your phone company's access charge.
087 numbers	Maximum of 13p per minute, plus your phone company's access charge.
0800 numbers	Free from UK landlines and personal mobile phones.

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We’ve got the answer:

How do I get a Greener Mortgage?

You must be buying a new build home to live in. Once built, it must have an energy efficiency rating of A or B. You’ll also need a 15% deposit.

Each Greener Mortgage has a ‘loan to value’ ratio or ‘LTV’ that indicates the size of deposit needed compared to the value of your new home. For example, a Greener Mortgage with an 85% LTV requires a 15% deposit. So if your property is valued at £100,000, you’ll need a £15,000 deposit to borrow the remaining £85,000 needed to buy it.

You can begin your application online right now. If you’d rather get some advice, you can call us on 0330 127 4869 or speak to a mortgage broker.

Greener Mortgages are not currently available for remortgages or buy to let purchases, but we hope to expand the range in future.

How do I prove that my new home is energy efficient?

Remember, your new build needs to be A or B energy rated. When you apply, we’ll need to see your new home’s Energy Performance Certificate (EPC). If your home is still being built and doesn’t yet have an EPC, then a Predicted Energy Assessment (PEA) or a Standard Assessment Procedure (SAP) calculation is fine too.

A mortgage broker will take care of this for you. But if you’re applying to us directly, just ask your new house builder, sales manager or site office for a copy. Take a photo of it or scan it and send it to docs@virginmoney.com.

What is Virgin Money doing to reduce its carbon footprint?

We’re working hard to reduce the negative impact our operations, suppliers and partners have on society and the environment. We aspire to be a net zero bank by 2050. That goes for the suppliers and partners we work with too.

Net zero means adding no more carbon to the environment than we remove. To help make sure we get there, we’ve also joined the Net-Zero Banking Alliance.

Read more about our approach to sustainability

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