helping you help the planet

From mortgage discounts to support creating an energy efficient home, we could help you do your bit to tackle climate change.


Addressing the climate crisis would appear to begin at home. Residential property represents 16% of the UK’s total carbon emissions, according to the Department for Business, Energy & Industrial Strategy (as at February 2022). So getting your house in order could be one of the best ways to contribute to a more sustainable future.

And we’re here to help. Whether you’re buying an energy efficient property or making your current home more sustainable, we could give you helpful tips and financial support. 

Here at Coutts, we take climate change extremely seriously, so we support our clients’ efforts to reduce their carbon footprints. Our ambition is that 50% of our mortgage portfolio has an EPC rating of C or above by 2030.


You could get up to £2,000 off your mortgage fee


Our Green Mortgage Products are our way of rewarding clients who either buy an EPC rating reference building or renovate an existing one to reduce their carbon footprint.

We measure and track the carbon footprint of homes through their Energy Performance Certificate (EPC) – the standard government measure of a property’s energy efficiency which provides a grade from A to G.

We currently offer two Green Mortgage Products:



  • Our Coutts Green Mortgage could reward you for buying an energy-efficient property.
  • It involves a potential discount of up to £2,000 if you’re intending to buy an energy-efficient home with an EPC rating of grade A or B. The amount you get back depends on how much you borrow.



  • Our Retrofit Green Mortgage could reward you for renovating an existing property to make it more energy efficient. 
  • It involves a potential discount of up to £2,000 on your original mortgage arrangement fee once the improvements to your home are made, and its EPC grade has gone up to a C or above. You have 24 months from taking the mortgage to achieve the rating, and the amount you get back depends on how much you borrow.

When issuing Green Mortgage Products, we adopt the Green Home Retrofit Finance Principles, which ensure loans are given only to energy-efficiency work that meets industry-accepted standards in the UK.

Speak to your private banker to find out more.

Your home or property may be repossessed if you do not keep up repayments on your mortgage. Over-18s only. Terms and conditions apply.

You may not be eligible for all Coutts Green Mortgage Products. Security may be required. Product fees may apply. Subject to status.

Many people are choosing to retrofit their homes to reduce their energy consumption and carbon emissions. This can involve things like improving the insulation in your property or switching to renewable energy sources. It can bring you a number of benefits alongside reducing your carbon footprint, such as lowering your household bills and making your home more comfortable.

You can learn more about Retrofitting at our Saving energy at home web page, which provides ideas and suggestions about the potential benefits and challenges of retrofitting across different property types, and answers some common question. We've also created specific guides covering improvements like home insulation, solar panels and heat pumps.




We’ve teamed up with Octopus Energy to give our clients the chance to save money when charging their electric vehicles at home. The offer includes:

  • A discounted rate on charge points with Octopus Energy when you sign up through Coutts. The amount you can save depends on the charger type.
  • An extra £50 off the price of your charger if you purchase an Octopus Energy charge point through us.

Also, the government offers an EV chargepoint grant, which could provide funding of up to 75% towards the cost of installing electric vehicle smart chargepoints at domestic properties across the UK. More information including eligibility criteria can be found here.


Find out more


To be able to access the offer we’re providing in conjunction with Octopus Energy in full, you must take advantage of the charging point element. Some elements also require you to sign up as an Octopus customer. Offer applies to all customers within the United Kingdom, regional exclusions apply. Offer unavailable on UK Channel Islands. Smart meter, energy supply tariff and Electric Juice Network excluded in Northern Ireland.

Coutts receives a fee from Octopus Energy for customers it introduces to them that subsequently purchase products or services from Octopus Energy, which will be passed back to you as a discount.

Coutts reserves the right to remove or amend this offering at any time.

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Become a client

When you become a client of Coutts, you join a network of exceptional people. Get in touch online or call +44 (0)20 7753 1365 to find out more about our services.

Already a client?

Contact your private banker at any time or call +44 (0)20 7957 2424 for more information.


All calls with Coutts are recorded for training and monitoring purposes.