Danske Carbon Neutral Mortgage

A greener mortgage to support you in choosing a greener home. A better deal for you, and the environment.


For home buyers and mortgage switchers.

For mortgages on homes with a valid Energy Performance Certificate (EPC) rating of A-C.

Your home may be repossessed if you do not keep up repayments on your mortgage

What is a greener home?

A greener home, is a more energy efficient home. This benefits you - the homeowner as you'll save money on your energy bills.

You'll also get a lower rate than on our standard mortgages - so win win.

To be eligible, your home will need to have an energy efficiency rating of A-C. You’ll find a home’s energy efficiency rating on its Energy Performance Certificate (or EPC), if it has one.

The EPC must be valid for at least another year at the date of your mortgage application; if not - or your property doesn't have a rating, we'll ask you to get a new one.

How do I get an Energy Performance Certificate?

An EPC is required when a property is built, sold or rented. It gives a property a rating from A or 100 (most efficient) to G or 0 (least efficient) and is valid for 10 years.

You may be able to find a property’s rating on the UK Government's Find an energy certificate page External link icon.

If a property has never had an EPC rating, or it has expired, you need to book a property assessment External link icon to get a new Energy Performance Certificate.

There may be a cost associated with obtaining an EPC.

New-build homes will have a Predicted Energy Assessment (PEA) before they’re finished. This should be available from the builder or estate agent.

PEAs will be accepted for homes not yet completed.

See what we can do for you with the Danske Carbon Neutral Mortgage

Find out more about our mortgages, work out how much you can borrow and what you would pay every month. Start your journey today…

Homebuyers can get up to £2,000 cashback and switchers can get up to £500 cashback with a Danske Carbon Neutral Mortgage. Use our Danske Carbon Neutral Mortgage calculator to work out your monthly repayments. This calculator will open in Microsoft Excel and is best viewed on your desktop.

You can find the calculator for our standard range on our Mortgage overview page.

Danske Carbon Neutral Mortgage calculator

How can a mortgage be carbon neutral?

Most activities have a carbon footprint. That's the total greenhouse gas emissions caused directly or indirectly by our actions.

We asked the Carbon Trust to help us measure the footprint of our mortgage service - from the paper we use, to the online storage of our digital documents.

To be carbon neutral, we must offset (or cancel out) the amount of carbon emissions that our activity has caused.

The Carbon Trust calculated our footprint at 96kg of carbon emissions for every mortgage we provide.

We’re continually taking action to reduce this footprint and we’re offsetting our impact with wind energy projects in India to achieve carbon neutrality.

So the mortgages we’ll provide on greener homes won’t contribute to rising greenhouse gas emissions.

And that’s certified by the Carbon Trust.

Certified by the Carbon Trust

Danske Carbon Neutral Mortgage is certified against PAS 2060 Carbon Neutrality Standard by the Carbon Trust. The certification boundary includes the lifecycle of the provision of the mortgage by Danske Bank, including both physical and digital activities (energy consumption, paperwork, waste generated) for all the stages of the mortgage operational provision (application, on-going and end-of-life).

For more detail on our offsetting arrangement and the footprinting review we completed with the Carbon Trust, you can read our qualifying explanatory statement.

Carbon trust Carbon neutral logo

FAQs

Important information about the Carbon Neutral Mortgage

  • This mortgage is for residential properties only
  • Whether we provide credit depends on your circumstances and you must be 18 or over
  • Lending terms and conditions apply
  • Your home is security for your mortgage, and you may also need to provide other security