Archives: Faq

The C-Change retrofit scheme offers a discount of 0.25% from our Standard Variable Rate for each rating improvement in your home's Energy Performance Certificate (EPC). This could be either its Energy Efficiency or Environmental Impact rating - whichever is the highest.

For example, if either EPC rating improves from E to C after the works to the property are completed, a discount of 0.50% will be available on the whole of the mortgage, for the duration of the loan. The discounts are deducted from our Standard Variable Rate (currently 4.90% - the overall cost for comparison is 5.1% APRC).

Our C-Change sustainable homes discount applies to new and existing energy efficient homes and extensive retrofits using the Passivhaus EnerPHit methodology. Once your build is complete, you need to provide an Energy Standard certificate and Architect/Building Control certificate for us to apply the Sustainable C-Change discount. The discount is applied from the date we receive all the required documentation and is based on the Energy Standard rating the property achieves.

Our C-Change sustainable homes discount applies to new and existing energy efficient homes. Once your build is complete, you need to provide an energy standard certificate and architect/Building Control certificate for us to apply the discount. This is applied from the date we receive all the required documentation and is based on the energy rating or standard the property achieves.