Normally you will be purchasing a property that is already fully completed and to qualify for our mortgage the property must be classified as an energy efficient property. You will need to provide us with evidence that the property achieves one of the Energy Standards ratings in the table below.
How we work out your Variable Mortgage Rate:
Standard Variable Rate (SVR) minus C-Change discount = Variable Mortgage Rate
| Energy Standard | Ratings | SVR (Standard Variable Rate) | Discount % | Variable Mortgage Rate |
|---|---|---|---|---|
| Passivhaus | Passivhaus | 4.65% | 1.25% | 3.40%. The overall cost for comparison is 4.80% APRC representative. |
| Energy Performance Certificate (EPC) | A | 4.65% | 0.75% | 3.90%. The overall cost for comparison is 4.80% APRC representative. |
| Energy Performance Certificate (EPC) | B | 4.65% | 0.50% | 4.15%. The overall cost for comparison is 4.80% APRC representative |
| Code for Sustainable Homes (CSH) | Code Level 4 | 4.65% | 0.75% | 3.90%. The overall cost for comparison is 4.80% APRC representative |
| Code for Sustainable Homes (CSH) | Code Level 5 | 4.65% | 1.00% | 3.65%. The overall cost for comparison is 4.80% APRC representative |
| Code for Sustainable Homes (CSH) | Code Level 6 | 4.65% | 1.25% | 3.40%. The overall cost for comparison is 4.80% APRC representative |
| Association for Environment Conscious Building (AECB) | Silver | 4.65% | 0.75% | 3.90%. The overall cost for comparison is 4.80% APRC representative |
| Association for Environment Conscious Building (AECB) | Gold | 4.65% | 1.25% | 3.40%. The overall cost for comparison is 4.80% APRC representative |