Services / Mortgages / Green mortgages
Green Fixed Interest Rate Mortgages
A green mortgage is a mortgage which offers a lower interest rate to people who are buying a more energy efficient home.
Benefits of a green mortgage
Save money on your mortgage and your energy bills
What is a Green Mortgage?
A green mortgage is a mortgage which offers a lower interest rate to people who are buying a more energy efficient home.
In most cases, to qualify for a green mortgage, you need to be buying a home with a Building Energy Rating (BER) of at least B3 or higher.
It usually doesn’t matter if you’re buying a new build or a second-hand home. As long as the property meets the minimum BER requirement you can avail of the discounted green rate on offer.
Green mortgages are currently available from AIB, Bank of Ireland, EBS, Haven, and Permanent TSB.
Current Rates
Date the following green mortgage rates were reviewed:
January 4, 2024
HAVEN Mortgages
3.65% fixed 4yrs
PTSB
4.25% fixed 5yrs
(61-80% LTV)
PTSB
4.50% fixed 5yrs
(81-90% LTV)
Green Qualification Criteria
You can avail of our Green fixed interest rate where
the property you are buying, trading up, building or structurally renovating has or will have a BER of A1 to B3 (inclusive)
your current property has a BER of A1 to B3 (inclusive), you have 5 years or more remaining on your mortgage and:
- you are switching your mortgage loan to permanent tsb from another lender and the property has or will have a BER of A1 to B3 (inclusive)
- or you are topping up an existing mortgage with permanent tsb to structurally upgrade the property to achieve an overall BER of A1 to B3 (inclusive)
- or you are an existing customer and looking to switch to Green.
