Our Privacy Policy

This notice is being provided to you because we are just about to collect personal data from you. It is issued by New Mortgage Finance Limited, trading as NM Finance. It explains how we use your personal data.

Lawful conditions for processing personal data

We will only process your personal data when we meet one of the following lawful conditions:

When we have a lawful contract with you;
When it is our legal duty;
When we have a legitimate interest;
If we need to act in your vital interests; or
When you have provided us consent to process it.

If we process your personal data that has been obtained from someone other than you, we will let you know without undue delay.

Who is collecting your personal information

NM Finance, Portal House, 7b Alkmaar Way, Norwich International Business Park, Norwich, NR6 6BF. The point of contact for all personal data related queries is the Data Privacy Manager.

Why we collect your personal information

We collect personal information provided by you to enable us to create a contract with you which we then fulfil in accordance with the terms and conditions of the contract and our Data Protection Policy. We also need to collect your personal information to meet the legal & compliance obligations placed upon us.

Your information may also be used for other specific purposes but only after you have given your consent, for example, to receive newsletters.

Automated decision

When obtaining a Decision in Principle (DIP), also referred to as an Agreement in Principle (AIP), we submit your information via the Lender’s online automated decision-making process. We do not use any in-house automated processing mechanisms.

Who we may share your information with

We share your personal data with the appropriate:

Credit reference agencies;
- NM Finance conduct credit checks through TransUnion (formerly Callcredit), for further information about TransUnion and the information it holds click the link below:
  https://www.callcredit.co.uk/legal-information/bureau-privacy-notice
Fraud prevention agencies;
UK regulators and other legal authorities; and/or
Appointees who are instructed to act on your behalf, for example a solicitor.

We will never sell or share your information with marketing companies.

Security of your personal information

We take all reasonable technical and procedural precautions to prevent the loss, misuse or alteration of your personal information. All business data is stored off-site on a server at a secure location and managed by a trusted third-party contractor. NM Finance Ltd do not operate internationally; our business services are limited to the United Kingdom.

Retention of your personal information

We will retain your information for as long as it is needed to provide you with our services and manage our relationship and also to comply with our legal obligations, resolve disputes and enforce our agreements. In practice this could be throughout your lifetime, but this does not prejudice your right to request that your personal data is no longer processed by us (The Right to Object).

Your Rights

The GDPR extends your rights in respect of your personal data. It should be noted that these are qualified in so much that they do not necessarily apply in all situations. The ‘rights’ are listed below.

- Right to be informed;
- The right to access;
- Right to rectification;
- Right to erasure;
- Right to restrict processing;
- Right to data portability;
- Right to object; and
- Rights related to automated decision making.

https://ico.org.uk

Exercising your rights and access to your personal information

If you wish to exercise your right to access to your personal data, please contact the Data Privacy Manager. We will then contact you to check your identity and may request documents to prove it. For all other queries regarding our processing of your personal data and the exercising of all of your rights, please contact the Data Privacy Manager.

Your options if you have a complaint

If you do have cause for concern or a complaint regarding the way we are handling your personal data, we ask that you contact us in the first instance. This way we can resolve any issues at the earliest opportunity.

If you are still unhappy, or you do not wish to contact first you are, in any event, entitled to complain to the ICO. You may also seek judicial remedies against us or any of the third parties we interact with on your behalf, for damages (both material and non-material) arising from breaches of the GDPR. For more information please visit the ICO website using https://ico.org.uk.

Green Mortgages: How Energy-Efficient Homes Can Save You Money

Last updated Oct 29, 2025

Mortgages

Buying an energy-efficient home could mean lower bills and cheaper borrowing. Green mortgages reward buyers of properties with strong EPC ratings, offering reduced rates, cashback, or higher affordability based on lower running costs.

Green Mortgages – Key Takeaways

Green mortgages offer incentives such as lower interest rates, cashback, or enhanced affordability for energy-efficient properties.
Homes with EPC ratings of A or B usually qualify.
Major lenders have simplified eligibility, removing developer restrictions and expanding access.
With Future Homes Standard (FHS) 2025, more new builds will meet high efficiency standards.
Comparing green and standard deals remains essential — some conventional products may still offer better value overall.

If you’re considering a new build or an energy-efficient home, we can compare the latest green mortgage deals across over 100 lenders to find the best fit for your situation.
Get in touch with us today to discuss your options.

What Is a Green Mortgage and How Does It Work?

A green mortgage rewards you for purchasing or owning an energy-efficient property — typically one with an Energy Performance Certificate (EPC) rating of A or B.
Lenders offer incentives such as lower interest rates, cashback, or higher borrowing limits because homes with better energy performance are cheaper to run. This means buyers can often afford slightly more while saving on energy costs and contributing to a lower-carbon housing market.

Why Green Mortgages Matter in 2025

Sustainability has become a defining feature of the UK property market. With the Future Homes Standard due to take effect in 2025, new homes must produce 75–80% less carbon emissions than those built under previous regulations. As a result, most new builds are now achieving EPC ratings of A or B, automatically qualifying for many green mortgage products.

Meanwhile, lenders are competing to attract eco-conscious borrowers. Several now include energy efficiency in their affordability models, recognising that lower running costs free up more disposable income — potentially increasing how much you can borrow responsibly.

Examples of Lender Incentives (Late 2025 Snapshot)

While offers vary, here are some typical features across the market:

Cashback: up to £1,500 for purchasing an EPC A/B property.
Lower rates: green products can be up to 0.10–0.25% cheaper than equivalent non-green deals with the same lender.
Preferential terms: some lenders provide slightly higher loan amounts or reduced fees for qualifying homes.
Simple eligibility: many have removed restrictions on “approved developers,” meaning any new build or qualifying property may now be eligible.

Tip: Even if your home qualifies for a green mortgage, always compare the wider market. Sometimes a non-green product from another lender may still provide a lower overall cost.

Who Can Benefit from a Green Mortgage?

Green mortgages are suitable for:

First-time buyers purchasing new builds with high EPC ratings.
Home movers upgrading to more efficient properties.
Remortgagers looking to improve their deal on an existing energy-efficient home.

If you’re purchasing a new build, you’ll usually have an EPC rating available before completion — making it easy to confirm eligibility early in the process.

Real-World Example: Energy Efficiency Meets Affordability

A couple buying a new-build property with an EPC rating of A might access a green mortgage offering a slightly reduced rate and £500 cashback. Combined with lower monthly utility bills, the savings over five years could total several thousand pounds — all while owning a more sustainable home.

What to Consider Before Choosing a Green Mortgage

Compare across lenders: Incentives differ and rates change daily.
Check EPC documentation: Ensure the rating is available and valid.
Review total costs: Cashback or small rate discounts may not always outweigh fees.
Consider future value: High-efficiency homes may retain or increase value better as regulation tightens.

A whole-of-market mortgage broker can review all available green and standard options to help you make an informed choice.

Latest Market Update (November 2025)

The green mortgage market is more competitive than ever. Many lenders have integrated these products into their main mortgage ranges rather than treating them as niche offerings. With affordability challenges still front of mind for buyers, energy-efficient homes are becoming not just environmentally desirable, but financially advantageous too.

Read our latest Mortgage Market Update to see how green mortgage deals fit into today’s broader lending landscape.

Key Question: Are Green Mortgages Worth It?

In most cases, yes — but it depends on your situation.
If you’re buying a property with a top EPC rating, a green mortgage could offer lower rates or useful cashback. But as product ranges and pricing shift frequently, it’s important to compare deals from across the market to ensure the best outcome for your long-term financial goals.

Speak to an Adviser

If you’re considering buying a new build or an energy-efficient home, our advisers can compare deals from over 100 lenders to find the most suitable option for you.
Contact us today to explore whether a green mortgage could save you money.

Disclaimer:
Your home may be repossessed if you do not keep up repayments on your mortgage. Mortgage offers and incentives vary by lender and are subject to eligibility, underwriting, and change without notice.