Can Energy Efficient Windows Get You a Cheaper Mortgage? Green Mortgages Explained

Can Energy Efficient Windows Get You a Cheaper Mortgage? Green Mortgages Explained

Buying a home in Hampshire has never been more expensive. But what if your choice of windows could actually lower your mortgage repayments?

Ten years ago, this was just a theory. Today, “Green Mortgages” are a reality. Major high-street lenders are now actively rewarding homeowners who invest in energy efficiency, offering preferential interest rates and cashback incentives that can add up to thousands of pounds over the life of a loan.

1. What is a “Green Mortgage”?

A Green Mortgage is a product designed to reward you for owning an energy-efficient home. Lenders view these properties as “lower risk”—the bills are cheaper, so you are less likely to default on payments, and the resale value is generally higher.

There are typically two types:

1. Purchase Rewards: You get a lower interest rate if you buy a home that already has an Energy Performance Certificate (EPC) rating of A or B.
2. Retrofit Rewards: You get discounted additional borrowing or cashback if you carry out improvements (like installing new windows) that improve your EPC rating.

2. Who Offers Them? (The Current Landscape)

According to data from Money Saving Expert External (2025), over half of UK lenders now offer some form of green incentive. Here is a snapshot of what is available:

*Note: Offers subject to change by lenders. Always consult a financial advisor.

3. The EPC Connection: How to Hit Band B

The golden ticket for these mortgages is an EPC Rating of B or above. Currently, most older UK homes sit in Band D.

Your EPC score is calculated based on your heating system, insulation, and glazing. Losing heat through single glazing or blown double glazing drags your score down significantly.

4. How Many EPC Points do Windows Add?

This is the most common question we get. While every house is different, upgrading your windows can yield significant points.

Why Triple Glazing Matters: Standard double glazing helps, but Triple Glazing is the real game-changer for EPCs. With U-values as low as 0.8 W/m²K, triple glazing maximizes your points for the “Windows” section of the assessment.

Triple glazing is often the tipping point for achieving a Band B rating.

5. The 2025 Outlook for Landlords

If you are a landlord, this isn’t just about saving money—it’s about legality. The government has proposed that all rental properties must achieve an EPC rating of C or above by 2028 (previously 2025).

Investing in high-performance windows now not only increases the value of your asset but future-proofs it against upcoming rental legislation.

6. Frequently Asked Questions

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Mark Pearce

With over four decades in the glazing industry, Mark Pearce has been at the heart of KJM Windows & Conservatories since 1983. Starting as a building labourer, he quickly rose through the ranks, working as a window and door installer from 1984, a factory operator manufacturing windows later that year, factory manager in 1992, and joining the sales team in 1994. Becoming a Director in 2002, and finally, the sole owner in 2010, Mark Pearce is truly a double glazing expert and has led KJM to become a leading supplier of high-quality windows, doors, and conservatories across Andover and the South of England.

Mark Pearce is a highly experienced specialist in the double glazing industry, having built his knowledge from the ground up through hands-on experience in installation, manufacturing, sales, and business management. Beyond his role at KJM, Mark is a keen blogger, writer, and traveller, often sharing insights on the latest innovations in the home improvement industry.

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