NatWest launches Green Re-mortgage product

NatWest Group has launched its new ‘green re-mortgage’ product. The new product will offer a preferential interest rate to new or existing customers who are looking to re-mortgage an energy efficient property.

The new product offers a discounted interest rate to customers re-mortgaging a property with an Energy Performance Certificate (EPC) rating of A or B. Through NatWest and Royal Bank, this will be available through direct channels including in branch, over the phone and via the website.

Every home must have an Energy Performance Certificate (EPC) when it is built, sold or rented – this gives the property an energy efficiency rating from A or 100 (most efficient) to G or 0 (least efficient) and is valid for 10 years. 

The new product supports the bank’s pledge to help customers become more energy efficient with an ambition that 50% of the bank’s mortgage book is at or above EPC C or equivalent rating of C by 2030. This follows on from NatWest being one of the major lenders to successfully introduce a Green Mortgage last year. It was the first high street bank in the UK to become an adopter of the Green Home Finance Principles (GHFPs), established by the Green Finance Institute for its Green Mortgage.

Last week, NatWest launched a ‘Sustainable Homes and Buildings Coalition’ with British Gas, Worcester Bosch, and Shelter to improve UK buildings energy efficiency. The Coalition will aim to address the key blockers to meeting net zero in the UK buildings environment.


Lloyd Cochrane, Head of Mortgages at NatWest Group said: “We were one of the first lenders to bring our Green mortgage to market last year and have seen a lot of success in rewarding customers for making greener decisions. We experienced increasing customer demand for a green re-mortgage product and we’re happy to respond to this. One of the core parts of our purpose as a bank is to help address the climate challenge and as the principal banking sponsor supporting COP26 in Glasgow later this year, we want to act as a catalyst in supporting the reduction of the carbon footprint from UK residential properties.”


To assess the Energy Efficiency Rating of your home please find links below:


To further encourage energy-efficient homeownership, NatWest is currently conducting a ‘Green Plan’ pilot. Similar to a financial health check, the Green Plan uses APIs to recommend the top actions customers can take to reduce their homes carbon footprint. Through the pilot, customers can choose to ‘Green’ their home.

For more information in ways to making greener choices you can access the NatWest Go Green hub 



This article is for media use only and is not a financial promotion.

The new offering will be available at max 85% LTV. Products available will be 2- & 5-year fixed rates. Product fees and Early Repayment Charges apply.  

Your home may be repossessed if you do not keep up repayments on your mortgage.

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