Green mortgages are quietly altering the economics of property investment.
Lenders are increasingly offering:
- Preferential rates
- Higher loan-to-value ratios
- Incentives for energy-efficient properties
The logic is simple: energy-efficient homes are cheaper to run, easier to let, and less risky to finance.
For investors, this creates a feedback loop:
Better EPC → better finance → stronger cashflow → higher asset value.
Over time, this may lead to a two-tier lending market, where inefficient stock attracts both higher borrowing costs and lower buyer demand.
At DXXV, we factor financing dynamics into sourcing decisions early; because the cheapest property is rarely the cheapest asset to hold.