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We all need to do our part for the environment. Whether that’s cutting down on single-use plastic, reducing your carbon footprint, or buying an energy efficient home.
Therefore, if you are purchasing a home that has an A or B energy efficiency rating, you could avail of a cheaper mortgage rate.
We have qualified mortgage advisors throughout Northern Ireland. To speak to someone about your mortgage, contact us today to book a video or telephone appointment.Contact us
An EPC rating is a review of a property’s energy efficiency, and involves the property being rated on a scale from A (most efficient) to G (least efficient).
EPC ratings are available with the property listing of the home that is for sale, and the estate agent should be able to provide this for you.
You can also visit the EPC website and search for an EPC rating for a property.
If the property is a new build property which isn’t built yet, the home will come with a SAP form or SAP calculation (which you can get from the builder). ‘SAP’ is Standard Assessment Procedure Form and is used to calculate the potential EPC rating.
To be eligible for our Green Mortgage, you must provide us with a copy of the EPC for the home you wish to purchase which confirms that the property is A or B rated. Either the EPC or the SAP must be provided with the mortgage application. The EPC must be valid and have been issued within the last 10 years.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Lending Criteria and Terms & Conditions apply.
We’d love to talk you through the mortgage process and help you find a suitable product. For more information or to apply for an account, you can call us, email us, pop into one of our 11 branches. We look forward to hearing from you.