Blog: Lower Mortgage Interest Rates with a Better Energy Label – Sustainability Discount at Renewable Partners

Making your home more sustainable is not only good for the environment and your energy bill, but can also lower your mortgage interest rate. Many mortgage lenders now offer a sustainability discount for homes with a good energy label. In this blog, written on May 15, 2025, we explain what this discount entails, which banks offer it, and how Renewable Partners can help you improve your energy label and thus benefit from a lower mortgage interest rate.

What is a Sustainability Discount?

A sustainability discount, also known as an interest rate discount, is a reduction in the mortgage interest rate that banks offer to encourage sustainable living. You are eligible for this if you buy an energy-efficient home or make your current home more sustainable, for example through insulation or a heat pump. This discount not only reduces your monthly costs, but also contributes to a more sustainable future. At Renewable Partners, for example, we have seen that a home in Amsterdam (28.14 m²) that was made more sustainable to label A resulted in a rent increase of €312/month, and with a sustainability discount, the mortgage costs were also reduced.

Sustainability discount and the Energy Label

The amount of the sustainability discount is determined by your home's energy label. This label, which ranges from G (very inefficient) to A+++ (very efficient), can be requested online via EP-Online or drawn up by an energy advisor such as Renewable Partners. Banks offer the discount when you purchase a home with a good energy label (e.g., A or higher) or if you later make your home more sustainable and improve the label. For example: a home with a B label (184.20 kWh/m²/year) that went to A++ (76.27 kWh/m²/year) resulted in a €40,000 increase in value in Utrecht and a lower mortgage interest rate due to the sustainability discount.

Sustainability discount on current mortgages

Do you already have a mortgage? If so, you may be eligible for a sustainability discount if you make your home more sustainable, but only if this discount is included in your mortgage contract terms and conditions. Not all banks automatically apply the discount to existing mortgages. Check your contract or contact your bank. Renewable Partners can help you with a new energy label assessment to register your improved label (e.g., A++), so you can apply for the discount.

Which Banks Offer a Sustainability Discount? (As of May 2025)

Below is an overview of banks that offer a sustainability discount on new mortgages:

• Woonnu: Up to 0.30% discount starting at label B; the higher the label, the greater the discount.
• Triodos: Up to 0.25% discount; the higher the label, the lower the interest rate.
• Impact Mortgages: 0.20% discount for label A or higher.
• ABN AMRO: 0.10% discount for label B, 0.15% for label A or higher.
• ING: 0.10% discount for label A, 0.15% for label A+ or higher.
• Lot Mortgages: 0.15% discount for label A or higher.
• Rabobank: 0.15% discount for label A or higher.
• ASN: 0.10% discount for label A or higher.
• Commercial banks: 0.10% discount for label A+ or higher.
• Florius: 0.10% discount for label A or higher.
• BLG Wonen: 0.05% discount for label B, 0.10% for label A or higher.
• Moneyou: 0.05% discount for label A or higher.
• Obvion: 0.05% discount for label A or higher (depending on market conditions).
• Vista Mortgages: 0.02% discount for label A or higher.
• Van Lanschot: 0.50% discount on sustainability amount (up to €150,000).
• Attens Mortgages: 0.40% discount on sustainability amount (up to €25,000).

Other Ways to Lower Your Mortgage Rate

In addition to a better energy label, there are other ways to reduce your mortgage interest rate:

1. Lowering your risk class: If your home increases in value (e.g., by becoming more sustainable and achieving an A++ energy label), you may fall into a lower risk class. This can be done with a valuation report or WOZ value (e.g., €400,000 home value versus lower mortgage debt).
2. Package discount: Combine products at banks such as ABN AMRO, ING, or Rabobank for a 0.20%–0.25% discount on a checking account and mortgage.
3. Mortgage refinancing: Refinancing with a bank offering a lower interest rate (e.g., from 5% to 3%) can be advantageous, despite penalty interest, especially with a sustainability discount.
4. Interest rate averaging: Renegotiate your interest rate with the same bank (e.g., from 5% to 4.2%) without penalty interest.

How Renewable Partners Can Help You

At Renewable Partners, we help you improve your energy label and thus benefit from a sustainability discount. Our services:

• Energy label recording: For €300 (with a 10% discount for re-recordings: €270), we will issue a new label (e.g., A++).
• Sustainability advice: Advice on insulation, ventilation (e.g., heat recovery ventilation), and heat pumps to achieve label A+++.
• Blower door test: For €450, we detect air leaks, which reduces heat loss and improves your energy rating.

Schedule a consultation
Would you like to lower your mortgage interest rate with a better energy label? Book a no-obligation consultation via https://calendly.com/renewablepartners or call +31 85 8225496.

Contact:
📍 Oude Achterzijds Burgwal 141F, Amsterdam
📧 info@verduurzamingsadvies.nl
🌐 renewablepartners.nl

#Sustainability discount #Energy label A #Mortgage interest rate #Sustainability #Randstad

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