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 | 6.29% | 1.50% | 4.79%. The overall cost for comparison is 5.00% APRC representative. |
| Passivhaus | PHPP Modelled | 6.29% | 0.75% | 5.54%. The overall cost for comparison is 5.80% APRC representative. |
| Energy Performance Certificate (EPC) | A (SAP rating 110+) (++) | 6.29% | 1.25% | 5.04%. The overall cost for comparison is 5.20% APRC representative. |
| Energy Performance Certificate (EPC) | A (SAP rating 100-109) (+) | 6.29% | 1.00% | 5.29%. The overall cost for comparison is 5.50% APRC representative. |
| Energy Performance Certificate (EPC) | A (SAP rating 92-99) | 6.29% | 0.75% | 5.54%. The overall cost for comparison is 5.80% APRC representative. |
| Energy Performance Certificate (EPC) | B (SAP rating 88-91) | 6.29% | 0.50% | 5.79%. The overall cost for comparison is 6.00% APRC representative |
| Association for Environment Conscious Building (AECB) | AECB CarbonLite Building Standard | 6.29% | 1.00% | 5.29%. The overall cost for comparison is 5.50% APRC representative |
