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Why you should consider a Green Re-mortgage.

A green re-mortgage is a type of refinancing option that allows homeowners to take advantage of their home's energy efficiency to secure a new loan. This can provide homeowners with a range of benefits, including lower interest rates, reduced energy costs, and access to funding for green home improvements. In this article, we will discuss the benefits of green re-mortgages and how they work.

How do green re-mortgages work?

Green re-mortgages work in much the same way as traditional re-mortgages, with the key difference being that the homeowner's energy efficiency is taken into account when determining the terms of the loan. Lenders will assess the energy performance of the property and use this information to determine the loan amount, interest rate, and other terms.

Benefits of green re-mortgages

Lower interest rates.

Green re-mortgages are often offered at lower interest rates than traditional re-mortgages. This is because energy-efficient homes are seen as a lower risk for lenders, as they are more likely to retain their value and have lower maintenance costs. This can result in significant savings for homeowners over the life of the loan.

Reduced energy costs.

One of the main benefits of a green re-mortgage is that it can help homeowners reduce their energy costs. By investing in energy-efficient upgrades, such as insulation, double-glazed windows, or solar panels, homeowners can significantly reduce their energy bills. This can make it easier to keep up with mortgage payments and free up money for other expenses.

Access to funding for green home improvements.

Green re-mortgages often come with the option to finance green home improvements. This means that homeowners can use the funds from their re-mortgage to make eco-friendly upgrades to their homes. This can include things like installing energy-efficient appliances, upgrading insulation, or installing solar panels. These upgrades can increase the home's energy efficiency and help to reduce energy costs.

Good for the environment.

By investing in a green re-mortgage, homeowners are not only benefiting themselves financially but are also contributing to a better environment. Energy-efficient homes have a lower carbon footprint and are less harmful to the environment. By reducing energy consumption, homeowners are also reducing their overall impact on the environment.

Increased property value.

Homes that are energy-efficient or have eco-friendly features are becoming increasingly popular among homebuyers. As such, a home that has a green re-mortgage attached to it is likely to have a higher property value. This means that homeowners may be able to sell their home for more money in the future.


Green re-mortgages are a great option for homeowners who want to take advantage of their home's energy efficiency to secure a new loan. By reducing energy costs, increasing property value, and contributing to a better environment, green re-mortgages can provide homeowners with a range of benefits. If you are considering refinancing your home, a green re-mortgage may be an excellent option for you.

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