Great experience with PinPoint Finance- highly recommend!
Keith Humphreys
Have used Pinpoint Finance several times now. Keith and the team once again offered great advice and help throughout. Would highly recommend!
From start to finish i have been very pleased with the way Keith handled my case. He kept me informed all the way so I didn’t have to worry about…
Fantastic service, I highly recommend.
A special thanks goes to Keith, whose advice and expertise throughout the process have been nothing short of excellent.
Fantastic service very professional halved my Morgage repayments very happy
Very impressive service, no messing about with questionnaires. Straight forward and honest appraisal. Thank-you very much Keith for all you did. I will recommend your service to friends and family.
Great service helping to source suitable finance for a complicated portfolio
5 Stars!
Excellent. Made the whole process much easier than I thought. Thank you.
Fantastic experience with Keith at Pinpoint. I have previously used mortgage brokers and found Keith has taken this business to a different level. Very professional, efficient and so easy to…
Keith was very supportive and helpful especially when we had a bit of complicated issue to sort out. He was on the ball and got it sorted.
Contacted Keith at Pin Point Finance. The call was answered promptly and Keith was friendly and approachable. He listened to my circumstances and gave advice in a way I could…
Keith has been amazing from our first contact. Listening and advising what was the best deal for me. Really happy with the service and would highly recommend to friends and…
Great service- so quick and very helpful
Very helpful & informative with information & answers to questions
Great customer service. Very much appreciated the way Keith helped in pushing things through at each stage to a successful completion.
Keith was always approachable, knowledgeable, and went the extra mile to ensure we had the right products and full clarity at every stage.
Excellent service from Pinpoint. They are very responsive. They are highly knowledgeable and professional but equally they take a very human approach, have excellent people skills and treat you as…
What stood out most was the high level of communication and prompt response times – both of which are crucial when dealing with financial matters.
We’ve recently worked with Pinpoint Financial Services for support with buy-to-let mortgages and couldn’t be more pleased with the service provided.
Kelvin has now completed two BTL mortgages, the service you receive is first class, highly recommend.
Keith was able to explain what my best options were, and wasn’t at all pushy. I’ll definitely be contacting Pinpoint again in the future for all of my Commercial Finance…
Keith was really efficient, great communication and resolved a complicated issue with my mortgage. I would highly recommend his services.
We look forward to working with Pinpoint Financial Services for many years to come. Thank you again, Keith – wishing you and your team all the very best for the…
Pinpoint Finance sorted remortgage for me. It was not easy task as i was in India but Keith on my behalf got things moving and eventually got it done.
Keith and his team have done a fantastic job at helping us buy our house. He found us the best mortgage available that suited our budget and did everything he…
Eco Mortgages in York & across Yorkshire
If you’re buying or remortgaging a home in York or across Yorkshire, a green mortgage could help you save money while making your home more energy-efficient.
Green mortgages are designed for properties with high energy-efficiency ratings and can offer better interest rates, cashback, or flexible borrowing options for homeowners who choose more sustainable living.
At Pinpoint Finance, we help local homebuyers, movers, and homeowners understand whether a green mortgage is right for them and compare the best options available.
What Are Green Mortgages?
Green mortgages (sometimes called eco mortgages or energy-efficient mortgages) are mortgage products created for homes that meet certain energy-efficiency standards.
Eligibility is usually based on your home’s Energy Performance Certificate (EPC) rating. Properties rated A or B typically qualify, although some lenders may consider C-rated homes where improvements are being made.
Key Benefits of a Green Mortgage?
- Lower Interest Rates: Many lenders offer discounted rates for energy-efficient properties.
- Increased Property Value: Sustainable homes are becoming more desirable, potentially increasing property value.
- Reduced Energy Bills: Energy-efficient homes typically have lower running costs, saving you money each month.
- Positive Environmental Impact: By investing in an energy-efficient property, you’re contributing to a greener future.
- Access to Government Incentives: Some Green & Eco Mortgages allow you to benefit from government schemes and grants aimed at improving energy efficiency.
How Does a Eco Mortgage Work?
- Eligibility Check:
- To qualify for a Green or Eco Mortgage, your property must meet specific energy standards, usually an EPC rating of A or B.
- Application Process:
- We help you find the best sustainable mortgage products, matching you with lenders who support sustainable living.
- Completion and Benefits:
- Once approved, you benefit from lower rates, and your property gains increased market appeal.
Sustainable Mortgages – Government Incentives
There are several government-backed schemes designed to encourage energy efficiency:
- Green Homes Grant: Offers vouchers to homeowners for energy-efficient improvements like insulation, double glazing, and renewable energy installations. You can learn more about eligibility and application on the official government page here.
- ECO Scheme (Energy Company Obligation): Supports low-income households in making their homes more energy efficient. More details can be found on the Ofgem ECO page here.
- Renewable Heat Incentive (RHI): Provides financial support for homeowners who install renewable heating technologies. For further information, visit the official government RHI page here.
We can help you understand which of these schemes apply to your property and guide you through the application process.
FAQs About Green Mortgages
Most lenders require an EPC rating of A or B, although some accept C, depending on lender criteria.
Yes, if you enhance your property’s energy performance, such as adding insulation or installing solar panels, you may become eligible for a Green or Eco Mortgage. Many lenders allow remortgaging to benefit from lower rates, especially if your property now meets the required EPC standards.
Yes, Green and Eco Mortgages are available for Buy-to-Let properties. Typically, these properties must have an EPC rating between A and C to qualify. If your property is currently below this standard, we can guide you on improvements to become eligible
Green Mortgage Advice in York and across Yorkshire
We understand the importance of sustainable living across York, Leeds, Harrogate, Sheffield, and Scarborough. Our team helps local homeowners and landlords secure the best mortgage deals while contributing to a greener future. Whether you’re upgrading your property’s energy efficiency or investing in a new eco-friendly build, Pinpoint Finance can guide you through the process seamlessly.
How We Can Help
At Pinpoint Finance, we can:
- Assess your property’s eligibility for a Green or Eco Mortgage
- Help you find competitive rates from specialist lenders
- Guide you through the application process from start to finish
- Identify government schemes and incentives that may benefit you
Contact us today to explore your options.
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