Article

Sustainability-adjusted pricing is becoming state of the art in mortgage lending

NEWS 02/2026

Sustainability-adjusted pricing is becoming the norm in mortgage lending. Many mortgage lenders now offer interest rate discounts – in some cases amounting to several tenths of a percentage point – on home purchases with energy efficiency ratings of A+ or A. Poor energy efficiency ratings, on the other hand, often result in interest rate surcharges.

Prof. Dr. Konrad Wimmer

Pricing

Sustainable Finance

28. July 2026 3 minutes reading time

Sustainability makes a difference
Conclusion and Outlook
Footnotes

Sustainability makes a difference

In a test report published in its 04/2026 issue¹, the magazine *Stiftung Warentest Finanzen* points out that the majority of the mortgage lenders examined now apply a spread in their terms and conditions – in some cases amounting to several tenths of a percentage point – when a property is purchased.

If the energy efficiency rating is “A+” or “A” (very good), more than half of the providers offer interest rate discounts of up to several tenths of a percentage point. If the purchased property is upgraded to a better energy efficiency rating through renovation, some providers offer similar interest rate discounts.

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