Danske Bank UK, the largest lender in Northern Ireland, is making its Danske Carbon Neutral Mortgage available to borrowers in Britain.

It will be available for residential homes in the South East, South West and East of England, excluding London, initially through brokers registered with Mortgage Advice Bureau.

The move follows the launch of the mortgage in Northern Ireland last year. It is the first mortgage service in the UK to be certified as carbon neutral by the Carbon Trust, and is available on homes with an Energy Performance Certificate (EPC) or a Predicted Energy Assessment (PEA) rating of A-C.

The Danske Carbon Neutral Mortgage is available to first time buyers, home movers and remortgagers and is available with a minimum 5% deposit, subject to terms and conditions. Danske is also offering 90% loan to value for new build properties and is participating in the Help to Buy Equity Loan Scheme.

The Bank has appointed a dedicated team of business development managers (pictured) to work with British brokers to handle queries and provide guidance. Brokers will also have direct access to the underwriting team in Northern Ireland via a dedicated help desk.

Patrick Mullan, hHead of GB mortgages at Danske Bank, said: “We’re already a market leader in Northern Ireland and have a significant presence in the mortgage intermediary market there, so it’s a natural step for us to bring that expertise and capability to benefit consumers in England.

“Domestic homes generate an estimated 15% of the UK’s greenhouse gas emissions, so improving the energy efficiency of our homes is crucial in the fight against climate change.

“Danske Carbon Neutral Mortgages now account for around 25% of our new mortgage business in Northern Ireland. It’s a unique proposition in the market, which rewards customers for choosing greener homes, and ensures that the mortgages we provide on these homes don’t contribute to rising greenhouse gas emissions.”

Brian Murphy, head of lending at Mortgage Advice Bureau, added: “Mortgage Advice Bureau are delighted to have access to Danske Bank’s mortgage products, albeit initially on a limited geographical basis from the outset.

“We have been engaged with Patrick and the team for a considerable amount of time, specifically around their launch onto the UK mainland, and thanks to our experience with advisers operating across Northern Ireland, we know what a valuable lender they have been – and having access to their products across a much larger group of advisers can only be beneficial for our customers.”