What Is an Energy-Efficient Mortgage?
Updated 21 days ago (March 6, 2026)
An Energy Efficient Mortgage (EEM) allows potential homebuyers and current homeowners to finance and refinance their homes, respectively, under the condition that this mortgage cover the costs of energy efficient upgrades.
EEMs provide an opportunity for borrowers to pay for energy-saving measures as part of a single mortgage and extend the maximum debt-to-income ratio of their loans. This opportunity allows the borrower to be eligible for a larger loan.
More directly, EEMs allow borrowers to improve their homes' energy efficiency and save money on heating, electricity, and other costs over time.
Financial Disclaimer: Tellus provides this content for informational purposes only. This is not financial advice. Financial returns and mortgage terms vary based on individual circumstances and market conditions. Consult a qualified financial advisor before making financial or borrowing decisions.