The Co-operative Bank launched a green mortgage range that offers new customers who qualify a lower rate of interest when buying a property with a rating A or B EPC.
For new customers, the product range includes a fixed-term mortgage of two or five years at 80-95% loan to value (LTV), with rates starting at 4.30 %.
New customers to banks will be charged a PS999 fee for the new products. They can choose between a 2-year or 5-year fixed-term product with an LTV of 80-95%. Interest rates start at 4.30%. There are no changes in the application process.
The property must have an EPC of A or B. It must also be in good standing (within the last 10 years), and it must be the most recent EPC for that property.
In the case of new-build properties where an EPC is not available, the vendor or housing developer will accept a Predicted Energy Assessment (PEA), or Standard Assessment Procedures (SAP).
This product is available on a 80%-95% LTV. New build houses are restricted to a 90% LTV and 85% for flats.
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