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Blooming with benefits

Here's why our Greener Mortgages have the feel good factor for you and your home.

Lower rates

Buy an energy efficient new build home and get a mortgage rate that’s lower than our core range, fixed for two or five years.

Eco friendly

Take a Greener Mortgage, and we’ll help cancel out the average UK home’s carbon emissions for a year by funding clean energy projects. Things like wind, solar and hydro energy. We also aim to help plant 100,000 trees.

Flexible payments

Overpay by up to 10% a year with no early repayment charges. You can also take payment holidays, subject to our agreement.

View our flexibility options Link opens in a new window
Don’t risk losing your home – keep up those mortgage repayments
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For shiny happy new builds

If you'd like a Greener Mortgage, here are three things to check first.

  • You’re buying a new build home

    If you're moving into a new build home, then this range could be the one for you.
  • It’s A or B energy rated

    Just ask your house builder for the energy performance certificate (EPC) or predicted energy assessment, if your home is still being built. We'll ask to see this when you apply.
  • You've got the right deposit

    If you've got a 15% deposit you can apply right here. Or you can apply through a mortgage broker with a 5% minimum deposit through the Help To Buy Equity Loan scheme Link opens in a new window

And just so you know, we’ll always check that our mortgages are right for you before we make you an offer.

Check you're mortgage ready

Test the water and see how successful your application will be without affecting your credit score.

Check now

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.

Use our easy calculator

Find a Greener Mortgage

Let’s see if we’ve got a Greener Mortgage that’s right for you. Tell us where you’re at on your home buying journey and what you’re looking for.

Be a net zero hero

The average UK home pumps out 5 tonnes of carbon a year*. Let’s do something to help.

Reducing emissions wherever we can is the best way to get to a net zero carbon world, but that's not always easy. So we've teamed up with Carbon Neutral Britain Link opens in a new window, who fund clean energy projects like wind, solar and hydro power. Together, we'll help cancel out some of those emissions.

Cancelling out carbon

Every time we sell a Greener Mortgage, we'll pump enough funding into clean energy projects to cancel out 5 tonnes of carbon emissions.

We'll also plant 100,000 trees

On top of those carbon cutting plans, we also aim to plant 100,000 trees. All done sustainably, and all thanks to our Greener Mortgage customers.

*The average UK household’s carbon emissions generated by heating and lighting the home are 5 tonnes of CO2 per year. Source: Carbon Neutral Britain 2021

Fancy a chat?

Our mortgage advisers are here to answer your questions, talk through your needs and help you through the process.

Not convenient now?

Book a free call back at a time to suit you.

Arrange a callback

Call us on

0800 028 5277

Opening times

We're here from 8am - 5pm Monday to Friday, 9am - 1pm Saturday.

Call charges and information
NumberCost
03 numbersSame as calls to 01 or 02 numbers and they are included in inclusive minutes and discount schemes in the same way.
084 numbersMaximum of 7p per minute, plus your phone company's access charge.
087 numbersMaximum of 13p per minute, plus your phone company's access charge.
0800 numbersFree from UK landlines and personal mobile phones.

Got a question?

We’ve got the answer:

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, unless you’re using the Help to Buy Equity Loan scheme where a 5% deposit is fine.

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 check you're mortgage ready Link opens in a new window and 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. Help to Buy customers can only apply through 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.

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.

To reduce our impact on the environment, we should all try to reduce our everyday carbon footprint. But some emissions are more difficult to reduce, like carbon produced from heating and lighting our homes.

The good news is, we can cancel out some of those emissions by funding natural or clean energy projects. Some projects absorb carbon from the environment, like tree planting. Others help us use natural energy like wind, solar and hydro power, instead of fossil fuels that produce carbon dioxide and contribute to global warming.

That's why we've teamed up with Carbon Neutral Britain Link opens in a new window to help fund sustainable projects around the world. So every time a customer takes a Greener Mortgage, we’ll make a one-off payment to help those projects cancel out 5 tonnes of carbon emissions. That’s the equivalent of the average emissions generated by heating and lighting a UK home for a year (source: Carbon Neutral Britain 2021).

We’re working hard to put our carbon foot down and reduce the negative impact our operations, suppliers and partners have on society and the environment.

We aspire to be a net zero operation by 2030. That goes for the suppliers and partners we work with too, and we’ve already made a great start.

Our progress so far

  • 100% of the electricity that we are responsible for is now generated through renewable sources
  • We’ve reduced the amount of paper we use by 31% since 2019
  • None of our waste is sent to landfill

Read more about our approach to sustainability

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