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0% interest Green Additional Borrowing mortgage

If you’re looking for a way to fund your energy-efficient home improvements, our 0% interest Green Additional Borrowing mortgage could help. Get 0% interest on your borrowing for the first 2 or 5 years.

Using the 0% Green Additional Borrowing mortgage

Features and benefits:

  • Choose from a 2 or 5 year fixed rate mortgage.

  • Get 0% fixed interest for the first 2 or 5 years.

  • Borrow £5,000 to £20,000, depending on your circumstances.

  • Borrow up to 90% of the property value (LTV).

  • There are no product fees with this mortgage.

Be aware that:

  • 100% of the loan must be used to make energy-efficiency improvements to your home. Exclusions may apply.
  • Your 0% interest rate will stop when your fixed deal period ends. Any outstanding amount will automatically move onto our variable Standard Mortgage Rate (SMR). Or you may be able to switch to another rate, subject to availability and eligibility.
  • There is a limit of one Green Additional Borrowing mortgage per property.
  • This product is limited and can be withdrawn at any time.

What improvements are best for your home?

To find out what energy-efficient improvements are suitable for your home, use our Home Energy Efficiency Tool. It will ask you a few questions about your home. Based on your answers, it will tell you what improvements you could make, the work involved and the potential costs.

Go to the Home Energy Efficiency Tool

What counts as an energy-efficient home improvement?

Energy-efficient home improvements are upgrades that offer significant benefits. They help improve energy efficiency and can lead to lower energy bills.

Government grants may be available for certain improvements. We encourage members to check this before proceeding with borrowing.

Tip:

You should check with your buildings insurance provider that all works mentioned below would be covered by your policy.

What's included?

  • Solar panels and storage
  • Insulation - loft, wall, floor, pipe, boiler
  • Efficient heating systems including smart controls, electric boilers and heat pumps
  • Energy-saving windows and doors - such as secondary, double and triple glazing, draught proofing
  • Hot water systems – including solar-powered tanks
  • Rainwater harvesting systems
  • Electric vehicle (EV) chargers and battery storage
  • Mechanical ventilation with heat recovery
  • Small wind turbines.

We allow supporting works if they’re essential to complete the green upgrade. Such as scaffolding, rewiring, or adjusting fixtures.

What’s not included?

  • Work that means you can’t live in your home during installation
  • Routine maintenance
  • Green design features, like green roofs or living walls
  • Damp proofing
  • Gas boilers
  • All like for like upgrades
  • Upgrades to the structure of the home such as the replacement of construction elements.

To apply for a Green Additional Borrowing mortgage:

  • You need to be an existing member with a Nationwide mortgage that has had at least 1 monthly payment made on it.
  • Your existing mortgage, combined with the additional borrowing, is not more than 90% of the value of your home.
  • You must spend 100% of your additional borrowing on eligible energy-efficient home improvements.

Representative example

A mortgage of £14,228.62 over a term of 10 years on an initial 5 Year Fixed Rate (green purposes only) at 0% (fixed) would require 60 monthly payments of £118.57 and 60 monthly payments of £139.17 based on our Standard Mortgage Rate, currently 6.49% (variable). The total amount payable would be £15,457.77 made up of the loan amount plus interest (£1,229.15), product fee (£0.00) and valuation fee (£0.00). The overall cost for comparison is 1.6% APRC Representative.


This representative example is for illustration purposes only. It is not an offer. These figures are representative of the typical costs and repayments for this type of mortgage based on customer type. Your actual costs and monthly repayments will vary depending on your mortgage.

Going green – one home at a time

We think the move to a green society and a greener world should begin at home.

Find out more about going green

Ways to apply

Apply through online banking

If you’re already registered for the internet bank, you can apply by logging in. If not, open the internet bank below and ‘Register now’ in the top right corner to get started.

Once you've completed your decision in principle online, you’ll be offered an appointment with one of our mortgage advisers who will guide you through the rest of the process.

Log in to internet bank

Download our app*

Get the app from the App Store* on an Apple device or from Google Play on an Android device. Search 'Nationwide mobile banking'.

And join over 6 million of our members. Safe, secure everyday banking made easier.

You cannot apply online:

  • If you’ve had your existing mortgage less than 6 months.
  • If you've used any of the affordable home ownership schemes to purchase your current home, such as Right to Buy.
  • You have a Lifetime or retirement mortgage for over 55s.

For these types of mortgage, please apply over the phone.

0345 609 25 30

Need help with borrowing more?

If you’d prefer to speak to someone, you can give us a call. One of our mortgage representatives will complete your decision in principle. If it’s accepted, we’ll book you in for advice with a mortgage adviser, either by phone or video call.

For video appointments, you’ll receive an email with details of what you’ll need and how to join the call.

Monday to Friday, 8am to 6pm.
Saturday 8:30am to 4pm.
Closed Sundays and bank holidays.

0345 609 25 30

Important regulatory and risk mortgage information:

Think carefully before securing other debts against your home. Mortgages are secured on your home. You could lose your home if you do not keep up payments on your mortgage. Mortgages are subject to underwriting and criteria. Minimum age 18, UK residents only.