Green Mortgages

Finance your energy-efficient home with Ireland's best green mortgage rates. We will help you to understand your options and secure lower interest rates for sustainable properties.

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Key Considerations

1

BER rating A or B for best rates

2

Cashback up to 2% from Irish lenders

3

SEAI grants for energy upgrades

4

Higher loan amounts available

5

Reduced monthly utility bills

6

Finance energy-efficient improvements

7

Lower interest rates vs standard mortgages

8

Increased property resale value

Frequently Asked Questions

Most Irish lenders require a BER (Building Energy Rating) of A or B to qualify for the best green mortgage rates. Some lenders offer reduced benefits for properties rated C1 or higher, especially if you plan energy-efficient improvements.

Irish banks including AIB, Bank of Ireland, and Haven offer cashback ranging from 1-2% of the mortgage amount for properties with high BER ratings. The exact amount depends on the lender and your property's energy rating.

Yes! You can include the cost of energy-efficient renovations in your green mortgage. This covers solar panels, heat pumps, insulation upgrades, and more. You may also qualify for SEAI grants which can be combined with your mortgage.

SEAI (Sustainable Energy Authority of Ireland) offers grants for home energy upgrades including solar panels, heat pumps, and insulation. These grants can be combined with green mortgage financing to reduce your overall costs significantly.

Beyond the lower interest rates and cashback, energy-efficient homes typically save €800-€1,500 annually on utility bills. Over a 25-year mortgage, this amounts to significant savings alongside the environmental benefits.

Major Irish lenders including Bank of Ireland, AIB, Haven, Avant Money, and ICS Mortgages all offer green mortgage products. We compare all available options to find you the best rates and terms for your circumstances.