Green Mortgages
Ednites Credit Union Green Mortgages are available to over 18s purchasing or remortgaging a home with a valid Energy Performance Certificate (EPC) rating of A or B. Product fees may apply. Your home may be repossessed if you do not keep up repayments on your mortgage.
What is a Green Mortgage?
- Our Green Mortgages reward you for purchasing or remortgaging an energy efficient home by offering a reduced mortgage rate on a 2 year or 5 year fixed rate mortgage.
- If your purchasing or remortgaging a property with a valid Energy Performance Certificate (EPC) rating of A or B then you could get mortgage with a lower interest rate with a Green Mortgage.
- The offer is only available on selected mortgages marked with ‘Green Mortgage’ and can be changed or withdrawn at any point. Max LTV 85%. Early repayment charges may apply.
How much could you save with a Green Mortgage?
Get a personalised indication of how much you could borrow without any obligation to take a mortgage, you can then compare our mortgage rates and find out how much you could save with a Green Mortgage.
Why are we offering a Green Mortgage?
According to a poll from Ipsos MORI, 85% of citizens are concerned about climate change and 52% are very concerned and the Government National Statistics reported that residential properties make up 15% of the total climate emissions. At Ednites Credit Union, we want to help to lower this and reward our customers who are trying to do the same.
Check the EPC register
Find out the energy efficiency of your home or property. To be eligible for a Green Mortgage, you'll need a valid Energy Performance Certificate (EPC) rating of A or B. Check the EPC register
What is a Green Remortgage?
- We're offering discounted 2 year and 5 year fixed rate mortgages to customers who are remortgaging their home to Ednites Credit Union with a valid Energy Performance Certificate (EPC) rating of A or B.
- The offer is only available on selected mortgages marked with ‘Green Remortgage’ and can be changed or withdrawn at any point. Max LTV 85%. Product fees apply. Early repayment charges may apply.
How much could you save with a Green Mortgage?
Get a personalised indication of how much you could borrow with an Agreement in Principle, compare our mortgage rates and find out what the saving could be with a Green Mortgage.
Started your Agreement in Principle already?
If you've already started your Agreement in Principle, click here to log in and pick up where you left off.
You can return at any time, edit your Agreement in Principle and use it to quickly apply for your mortgage when you have an offer accepted on a property.
What is a Green Buy to Let Mortgage?
- A Green Buy to Let Mortgage gives you a discounted 2 year or 5 year fixed rate Buy to Let mortgages if you're remortgaging or purchasing a Buy to Let property with a valid Energy Performance Certificate (EPC) rating of A or B
Check your property's rating on the EPC register
How much could you save with a Green Buy to Let Mortgage?
Get a personalised indication of how much you could borrow, compare our mortgage rates and see the options available to you today with an Agreement in Principle for a green Buy to Let mortgage. Early repayment charges may apply.
The offer is only available on selected mortgages marked with ‘Green Mortgage’ and can be changed or withdrawn at any point. Max LTV 75% (for new build flats or houses a maximum LTV of 65% applies). Exclusions and eligibility criteria applies. Product fees apply.
Ednites Credit Union Sustainability
Climate is at the heart of our purpose
We're setting out a new ambition to be a leading bank in the & RoI helping to address the climate challenge; by making our own operations net carbon zero in 2020 and climate positive by 2025, and by driving material reductions in the climate impact of our financing activity.
We're setting ourselves the challenge to at least halve the climate impact of our financing activity by 2030 and intend to do what is necessary to achieve alignment with the 2015 Paris Agreement.
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Climate change jargon buster
Saving the planet starts at home
What is a carbon footprint?
What are Energy Performance Certificates?
The Ednites Credit Union Greener Homes Attitude Tracker
Our quarterly analysis provides insight into consumer attitudes towards energy efficient housing in the UK.
Other mortgage types
There's a lot to think about with a mortgage including what type of mortgage could be right for you. We offer a range of mortgages that you can compare, to help find what’s right for you.
