Green property loans

Finance an energy-efficient building or borrow for improvements such as insulation and solar panels. Some loans require the building to meet energy standards already; others pay for the work to improve it.

Funding opportunities (263)

Grants and tax incentives

Loans and other finance

Residential building retrofit loan

KfWGermanyup to 150k EUR

A loan of up to €150,000 per dwelling for a whole-building energy retrofit or the purchase of a newly retrofitted German home, with part of the debt written off.

Green property loan

HandelsbankenSweden

Loans for companies and housing associations financing qualifying commercial or multifamily buildings, including new construction and energy-performance improvements.

Green investment loan

SBABSweden

Loans for property companies adding insulation, installing solar panels or making other energy and environmental improvements.

Green property loan

SEBSweden

Loans to finance energy-efficient apartment and commercial buildings, including existing properties and new construction.

Energy loan

SwedbankSweden

Loans for companies and housing associations reducing energy use in their property or installing solar panels.

Mijn VerbouwLening

Flemish GovernmentFlanders

A low-interest renovation loan for income-qualified owner-occupiers, private landlords, nonprofit organizations, cooperatives and co-owner associations in Flanders.

Home energy loan

NordeaSweden20–500k SEK

Nordea customers who own a house or holiday home can apply to borrow SEK 20,000–500,000 for upcoming energy-saving improvements, without pledging an asset as security.

Home energy loan

SwedbankSweden30–350k SEK

Individuals can apply to borrow SEK 30,000–350,000 for home energy-saving investments, with a one-to-twelve-year repayment term depending on the loan’s size and purpose.

Home energy mortgage increase

SEBSweden100k SEK and up

Homeowners can apply to increase their SEB mortgage by at least SEK 100,000 for energy improvements, with a 0.10-percentage-point interest discount on the extra borrowing.

Home solar loan

SwedbankSweden30–350k SEK

Individuals can borrow SEK 30,000–350,000 for solar panels from any supplier, with payment after installation and receipt of an invoice.

Green mortgage

SEBSweden

Buy or own a home with qualifying energy or environmental certification and receive a 0.10 percentage point discount on your mortgage interest rate.

Green mortgage

SwedbankSweden

An extra 0.10 percentage point mortgage interest discount for households whose home meets the energy-class or building-certification criteria.

Green mortgage

NordeaSweden

A 0.10 percentage point mortgage-rate discount for individuals buying, building or living in a home with a qualifying energy class or environmental certificate.

Green mortgage

Danske BankSweden

A 0.10 percentage point interest discount on fixed-rate mortgages for owners of homes with qualifying energy ratings or environmental certification.

Green mortgage

SBABSweden

A mortgage interest reduction of 0.10 percentage points for households with an energy-class A home, or class B under a declaration made before 1 October 2026.

Green mortgage

StabeloSweden500k–20m SEK

Households with a home in energy class A or B can receive a 0.10 percentage-point interest discount on their whole mortgage.

Green mortgage for households

HandelsbankenSweden

Get a 0.10 percentage point reduction on your mortgage interest for a house, holiday home or tenant-owned apartment meeting energy or environmental-certification requirements.

Green mortgage top-up loan

StabeloSweden

Existing mortgage borrowers can borrow for home energy improvements with a 0.20 percentage-point interest discount on the amount used for eligible work.

Green energy loan for your home

HandelsbankenSwedenup to 250k SEK

Borrow without collateral for home energy improvements, charging equipment and protection against floods or heat, if at least one borrower has a Handelsbanken mortgage.

Energy renovation loan

NordeaFinland15k EUR and up

A secured loan for households with a home address in Finland to improve a detached or semi-detached home, with a lower margin for qualifying energy renovations.

Solar panel loan

Swedbank ASEstonia3–30k EUR

Homeowners can borrow €3,000–€30,000 without collateral for solar panels, heat pumps, wind turbines or energy storage at a property they own in Estonia.

Solar panel loan

AS SEB PankEstoniaup to 40k EUR

A consumer loan for individuals buying and installing solar panels, with up to €25,000 when applying alone or €40,000 with a co-applicant.

Solar panel loan

Swedbank ASLatvia3–30k EUR

Borrow without pledging your property to buy and install solar panels, batteries, heat pumps or wind generators for your home.

Home energy-efficiency loan

Swedbank ASLatvia20k EUR and up

A property-secured loan for homeowners improving an existing private house with insulation, heat-recovery ventilation or more efficient windows and doors.

Green Home loan

AS SEB bankaLatvia

Borrow to buy an energy-efficient apartment or house, or build a qualifying private house, with individually assessed interest and no loan agreement fee.

Green loan for business

AS SEB bankaLatvia

Loans for corporate customers investing in renewable energy, energy efficiency or other projects that pass SEB’s individual green-project assessment.

Home energy efficiency loan

SEB LithuaniaLithuania500–40k EUR

Borrow without collateral for household solar power, heat pumps, wind turbines, electricity storage or electric-car charging equipment, with loan limits based on individual or family income.

Green home loan

SEB LithuaniaLithuania

A mortgage for individuals buying or building an energy-efficient home in Lithuania, with a lower interest rate than the regular home loan and no contract fee.

Green mortgage

HypoteketSweden

A mortgage interest discount for households with a house or holiday home in energy class A or B.

Green mortgage

Swedbank ABLithuania20k EUR and up

A secured home loan for individuals buying or building a new home in energy-efficiency class A+ or A++, including when replacing an existing home.

Green home loan

AS SEB PankEstonia15k EUR and upcloses 31 Dec 2026

Borrow to buy or build an energy-efficient home, with property limits that depend on building type and construction date.

Energy home loan

Nordea DenmarkDenmark

Borrow against your home for professional energy improvements or climate adaptation, including heat pumps, solar panels and insulation.

Green mortgage

Nordax BankSweden150k SEK and up

A mortgage interest discount of 0.25 percentage points for households buying or borrowing against a house or tenant-owned apartment with energy class A or B.

Energy loan

ICA BankenSweden20–600k SEK

An unsecured personal loan for individuals registered in Sweden to finance home insulation, efficient windows, solar panels or a replacement heating system.

EcoSaver mortgage

Bank of IrelandIreland

A fixed-rate mortgage for home buyers, landlords and existing borrowers, with interest discounts linked to the property’s energy rating.

Green mortgage

PTSBIreland

A lower fixed mortgage rate for new and existing home borrowers whose home has, or will achieve, a qualifying A or B energy rating.

Green mortgage

Sparbanken SydSweden

A mortgage interest discount for buyers of energy-efficient or certified homes and homeowners transferring a qualifying mortgage from another bank.

Energy loan

KBC BankBelgium1k EUR and up

Borrow at a fixed rate for home improvements such as insulation, solar panels and heat pumps when at least half of the renovations improve energy efficiency.

Energy renovation loan

Belfius BankBelgium

Borrow for energy-saving home improvements such as heat pumps, solar panels and insulation, with at least half the loan used for energy-saving investments.

Green personal loan

AIBIreland3–60k EUR

Borrow €3,000–€60,000 for personal purchases such as home energy upgrades or electric vehicles, with at least half the loan currently required for listed green initiatives.

Duurzaam Wonen

ASN BankNetherlands2.5–30k EUR

Borrow €2,500–€30,000 alongside an ASN mortgage for permanent energy-saving or climate-adaptation improvements to your own home in the Netherlands.

Green renovation loan

CrelanBelgium2.5–75k EUR

An instalment loan for homeowners renovating their home, with at least half the borrowing used for energy-saving improvements.

Sustainable home mortgage

Triodos BankNetherlands

Buy or refinance an owner-occupied home with mortgage pricing linked to its energy label and an extra discount for qualifying biobased new builds.

Energy renovation loan

SäästöpankkiFinland10k EUR and up

A secured loan for households improving the energy efficiency of a home or holiday property, or paying their share of a housing-company energy renovation.

Energy renovation loan

Danske BankFinland

Households can borrow for energy-saving improvements to a home, holiday home or investment property, with secured and unsecured options.

Home energy improvement loan

AL SydbankDenmarkup to 500k DKK

Borrow for insulation, new windows, heating upgrades or solar panels in a home you own, with at least 90% of the loan reserved for approved energy improvements.

Eco-renovation loan

BeobankBelgium1.3–50k EUR

Borrow for solar panels, insulation and other ecological improvements to a home in Belgium, with invoices or a signed order covering 70% of the loan.

Green home improvement loan

ArgentaNetherlandsup to 35k EUR

Borrow up to €35,000 through your Argenta mortgage for future home energy improvements, such as insulation, a heat pump or solar panels.

Energy renovation loan

CommerzbankGermany1.5–100k EUR

Borrow for insulation, low-carbon heating, solar panels or biodiversity improvements to a home you own, without using your home as collateral.

Renewable-energy loan

Banco BPIPortugal1k EUR and up

Personal loan for buying and installing renewable-energy equipment or improving a building’s energy efficiency.

Green mortgage

BPER BancaItaly

A mortgage for consumers buying an Italian home in energy class A, B or C, improving its energy performance, or building a class A home.

Home energy renovation loan

Banco SantanderSpainup to 100k EUR

Borrow up to €100,000 for home energy improvements such as efficient heating, insulation and consumption controls, with a rate discount tied to proof of the sustainable use.

MaPrimeRénov’ advance loan

Crédit MutuelFrancecloses 31 Dec 2026

An interest-free loan advances an awarded MaPrimeRénov’ grant for home energy renovation, alongside a complementary Crédit Mutuel renovation loan.

Home energy efficiency loan

CitadeleLatvia1–30k EUR

An unsecured loan for private individuals buying or installing solar panels, heat pumps, batteries or other renewable-energy systems at home.

Green housing loan

Bank of CyprusCyprus

Borrow to buy or build a first or holiday home with an A-rated energy performance certificate if you are permanently resident in Cyprus.

Tulevaisuuslaina

POP PankkiFinland

A loan for individuals buying an electric car or improving a residential property’s energy efficiency, with lower pricing and less collateral than a comparable ordinary loan.

Green loan

CANA Credit UnionIrelandup to 100k EUR

Borrow for home energy improvements or electric and hybrid transport if you qualify for CANA Credit Union membership through Revenue employment, retirement or family ties, or CANA employment.

Go Green Loans

Kilmallock Credit UnionIrelandup to 100k EUR

Borrow for home energy improvements or electric transport if you qualify for membership of this local credit union in Limerick and Cork.

Green loan

Croí Laighean Credit UnionIrelandup to 100k EUR

Borrow for home energy upgrades or an electric or hybrid car if you live or work in the credit union’s local common-bond area in Ireland.

Greenify loan

Core Credit UnionIrelandup to 75k EUR

Unsecured loans for Core Credit Union members to improve home energy efficiency or buy electric transport, subject to credit approval.

Go Green Loan

Malahide Credit UnionIreland10–100k EUR

Borrow for a home energy retrofit or an eco-friendly car if you live or work within the local membership area around Malahide.

Greenify loan

Cara Credit UnionIrelandup to 100k EUR

Borrow for home energy upgrades, an electric or plug-in hybrid vehicle, or charging equipment if you are a Cara Credit Union member or can join its local membership area.

Green loan

Letterkenny Credit UnionIrelandup to 80k EUR

Borrow up to €80,000 for home energy upgrades or electric transport as a credit union member in the Letterkenny area.

Green Loan

New Ross Credit UnionIreland

Borrow for work that improves your home’s energy rating or reduces your carbon footprint, if you qualify for local credit-union membership.

Green loan

Journi Credit UnionIreland

Borrow for home energy upgrades, electric or hybrid cars, and bicycles if you qualify for membership in the Waterford-area credit union.

Home energy equipment loan

CitadeleLithuania1–35k EUR

An unsecured personal loan for solar or wind generation, a share in a power park, energy storage or a heat pump, with higher borrowing available jointly with a spouse.

Energy loan

Sparbanken AlingsåsSweden30–350k SEK

Borrow SEK 30,000–350,000 for improvements that reduce your home’s energy use, such as insulation, windows or heating systems.

Household energy loan

Sparbanken TanumSweden30–350k SEK

Borrow SEK 30,000–350,000 for improvements that reduce your home’s energy use, such as insulation, replacement windows or heating systems.

Business energy loan

Sparbanken TanumSweden

Borrow for energy improvements and renewable energy in property owned by a company or housing association, with materials and labour eligible.

Business energy loan

Sparbanken SkaraborgSweden

A loan for property-owning companies and housing associations to pay for insulation, heating upgrades and renewable energy, with invoices required before payment.

Energy loan

Sparbanken SydSweden

An unsecured personal loan for household energy improvements, including insulation, solar panels and replacing oil or direct electric heating.

Habitat Verde

BRDRomania

A mortgage for individuals buying a home in Romania certified as green by the Romanian Green Building Council.

Home energy loan

Ulricehamns SparbankSweden30–350k SEK

Borrow SEK 30,000–350,000 for home energy improvements such as insulation, replacement windows or more efficient appliances.

Green personal loan

Findomestic BancaItaly1–100k EURcloses 5 Nov 2026

Borrow for home energy improvements, renewable-energy systems or qualifying electric and hybrid vehicles if you live in Italy.

Personal green loan

PrestipayItaly5–50k EUR

Personal loans for people living in Italy to finance home energy improvements or an electric or hybrid vehicle.

Green loan

Life Credit UnionIrelandup to 100k EUR

Borrow for insulation, solar panels, a full home retrofit or an electric vehicle if you live, work or study in Life Credit Union’s local membership area.

Green loan

Capital Credit UnionIreland

Borrow for home energy upgrades or a new electric or plug-in hybrid car if you qualify for Capital Credit Union membership in its Dublin and North Wicklow catchment.

Photovoltaic installation loan

WIBankGermany10–50k EUR

Borrow for a new solar installation and associated storage at your exclusively owner-occupied home in Hessen, with a state interest subsidy.

Energy-saving renovation loan

LCLFrance3–50k EUR

A personal loan for adults financing home insulation, efficient heating or solar panels, with no arrangement fee.

Ecological renovation loan

ArgentaBelgium1.3–125k EUR

Borrow for energy-saving home renovations where ecological work accounts for more than half of the project cost.

Energy renovation personal loan

Crédit AgricoleFrance

Borrow to cover part or all of your home energy renovation, including insulation, renewable heating or solar panels, with a personal loan whose spending does not require expense receipts.

Green renovation loan

vdk bankBelgium2.5k EUR and up

A fixed-rate loan for private borrowers to insulate a home, install a heat pump or make other improvements to its energy-performance rating.

Energy renovation property loan

SGFrance1.6k EUR and up

Borrow at a fixed rate for insulation, solar panels and other energy-saving work in a main home, second home or rental property, subject to SG’s account and lending requirements.

Green home renovation loan

VÚBSlovakia500–50k EUR

Borrow for insulation, solar panels and other improvements to homes in Slovakia, with a purpose-linked interest discount and documents submitted after drawing the loan.

Energy loan

SBABSweden30–500k SEK

Borrow without pledging your home for energy-saving improvements, with an interest discount after you send a photo of the investment.

Kilowattlånet

SBABSweden

Borrow against your house or holiday home for energy renovations, with a 0.20 percentage point interest reduction on the renovation loan for ten years.

Green loan

Ballina Credit UnionIreland

Borrow for home energy improvements or green transport if you live, work or study in Ballina Credit Union’s local membership area.

Energy loan

Rise SparekasseDenmarkup to 150k DKK

Borrow up to DKK 150,000 for home energy improvements or renewable-energy investments, with security in your home.

Home energy loan

Dragsholm SparekasseDenmark

Borrow for energy-saving home improvements such as insulation, new windows, heat pumps or solar panels, with local advice in Odsherred and Kalundborg.

Efficient home loan

UnicajaSpain6–60k EUR

Borrow €6,000–€60,000 for energy-saving improvements to your home, including insulation, solar panels and appliances rated A or B.

Vivienda +Sostenible

IbercajaSpainup to 60k EUR

A personal loan for household energy improvements, including solar panels, insulation and more efficient home installations.

Greener Home Loan

Ardee Credit UnionIrelandup to 50k EUR

Members can borrow up to €50,000 for home energy improvements such as insulation, solar panels or heat pumps, with work completed by SEAI-registered contractors.

Green Loan

Drogheda Credit UnionIreland2–75k EUR

Borrow for insulation, heat pumps, solar panels or an electric car as a member with a local connection to Drogheda, Dunleer, East Meath, Trim or Slane.

Energy loan

Sparbanken NordSweden30–350k SEK

Borrow SEK 30,000–350,000 for changes that reduce energy use in your home, including insulation, replacement windows and more efficient appliances.

Home energy loan

Sala SparbankSweden30–350k SEK

Borrow SEK 30,000–350,000 for home improvements that reduce energy use, including insulation, replacement windows and heating systems.

Energy loan

Skurups SparbankSweden30–350k SEK

Borrow SEK 30,000–350,000 for improvements that reduce energy use in your home, such as insulation, new windows or appliances.

Solar loan

Falkenbergs SparbankSweden30–350k SEK

An unsecured loan for individuals buying solar panels, with payment after installation and a supplier invoice.

Energy loan

Lollands BankDenmarkup to 250k DKK

Borrow up to DKK 250,000 for energy improvements to your owner-occupied home, using a Totalkredit assessment or documentation of work on the bank’s eligible list.

Green mortgage for a new home

CIB BankHungary1m HUF and up

A mortgage for individuals buying or building a new home that meets specified energy-certificate and energy-demand limits in Hungary.

Home energy loan

Sparbanken LidköpingSweden30–350k SEK

Borrow SEK 30,000–350,000 for improvements that reduce your home’s energy use, including insulation, replacement windows and appliances.

Energy loan

Sparbanken MälardalenSweden30–350k SEK

Borrow SEK 30,000–350,000 for improvements that reduce your home’s energy use, such as insulation, replacement windows or appliances.

Home energy loan

Sparbanken GöingeSweden30–350k SEK

Borrow for insulation, replacement windows or other investments that can reduce energy use in your home, subject to the bank’s borrower assessment.

Solar loan

Sparbanken LidköpingSweden30–350k SEK

An unsecured loan of SEK 30,000–350,000 for private borrowers installing solar panels, with a quotation from their chosen supplier.

Solar loan

Leksands SparbankSweden30–350k SEK

An unsecured loan of SEK 30,000–350,000 for individuals installing solar panels, with a choice of supplier.

Solar loan

Westra Wermlands SparbankSweden30–350k SEK

Borrow without collateral to install solar panels on your own property if you are an existing or prospective customer in western Värmland.

Solar loan

Sparbanken MälardalenSweden30–350k SEK

Borrow SEK 30,000–350,000 without pledging security to install solar panels, if you have your mortgages with the bank.

Expresso Green

BRDRomania2–250k RON

A personal loan for renewable-energy equipment, home equipment in energy class A or B, zero-emission electric cars and greener personal transport.

Solar loan

Laholms SparbankSweden30–350k SEK

Borrow without collateral to install solar panels, with payment after installation and receipt of the invoice.

Green loan

National Bank of GreeceGreeceup to 30k EUR

Borrow up to €30,000 for home energy improvements, energy-saving appliances or a new electric or hybrid vehicle.

Solar loan

Orusts SparbankSweden30–350k SEK

Borrow without collateral to install solar panels from a supplier of your choice.

Solar loan

Dalslands SparbankSweden30–350k SEK

Borrow without collateral to install solar panels, with a quotation from your chosen supplier.

Green consumer loan

Piraeus BankGreece1.5–20k EUR

Borrow €1,500–€20,000 without collateral for home energy improvements, efficient appliances, solar power or bicycles and electric motorbikes if you live and pay tax in Greece.

Business energy loan

Tjörns SparbankSweden

Borrow for insulation, heating upgrades, solar installations and other energy improvements to property owned by your company or association.

Green mortgage

Sparbanken MälardalenSweden

An extra 0.10 percentage-point mortgage interest discount for households whose home meets the bank’s energy or building-certification criteria.

Green mortgage

Sparbanken SpiraSweden

An extra 0.10 percentage-point mortgage interest discount for households with an energy-efficient or certified home.

Green mortgage

Sparbanken SkåneSweden

Mortgage interest discount for households buying, transferring or already financing an energy-class A or certified sustainable home.

Green mortgage

Sparbanken BokenSweden

An extra mortgage interest discount for households buying, refinancing or owning a home with a qualifying energy rating or environmental certification.

Household energy loan

MedMera BankSweden15–600k SEK

Borrow for solar panels, heat pumps, insulation and other energy-saving home improvements, with an interest discount after your investment evidence is approved.

Grüner-Leben-Kredit

HYPO NOEAustriaup to 50k EUR

A mortgage loan for private customers improving home insulation, installing solar panels or replacing fossil heating, with borrowing up to €50,000.

Green loan

SWK BankGermany7.5–100k EUR

Borrow €7,500–€100,000 for new or used rooftop solar panels and battery storage, with no land-register charge, if you meet the personal income and credit requirements.

Energy-saving loan

PSD Bank NordGermanyup to 75k EUR

Borrow for insulation, solar panels or heating improvements to a property you have owned for more than six months, using a loan linked to a new building-savings contract.

Climate renovation loan

Sparkasse HammGermany10–100k EUR

Borrow €10,000–€100,000 to improve the energy efficiency of your own residential property, whether you live in it or rent it out.

Climate loan

HarzsparkasseGermany

An unsecured loan with an interest discount for homeowners making energy-saving improvements.

Home energy transition loan

Gemeente RotterdamNetherlands2.5–25k EURcloses 31 Dec 2027

Borrow for energy-saving work together with home improvements if you own and occupy a Rotterdam home or rent out up to three Rotterdam homes.

Woonlening

Gemeente Den HelderNetherlands2.5–30k EUR

Borrow at 0% interest for insulation, renewable energy or climate adaptation at an existing home you own in Den Helder.

Toekomstbestendig Wonen loan

Gemeente NijmegenNetherlands2.5–35k EUR

A consumer loan for owners of existing homes in Nijmegen to finance professionally installed insulation or solar panels, subject to municipal approval and SVn’s credit assessment.

Sustainable home loan

Gemeente AmersfoortNetherlands2.5–30k EUR

A fixed-rate personal loan for owner-occupiers, tenants and small private landlords insulating homes or improving glazing in Amersfoort.

Sustainable home loan

Gemeente RhenenNetherlands2.5–30k EUR

Borrow €2,500–€30,000 for energy-saving improvements, renewable energy or climate adaptation at the home you own and live in in Rhenen.