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Loans with sustainability built in

Making the right choice

Sustainable thinking is at the heart of who we are. Our sustainability strategy is far reaching, and our goals are ambitious, not least in our intention to achieve net zero emissions by 2040 at the latest; a decade earlier than the UK government’s aim. With ambitions like these and new regulations likely to impact landlords, in particular, we want our customers to be equipped to deal with them. 

Rewarding corporate loans with a preferential interest rate 

As demand for more energy efficient property grows, coupled with changes to EPC legislation, making the right investment choice can be rewarding for everyone. We want to help you, not only fulfil your legal obligations, but also strengthen your investment by choosing a corporate loan that has sustainability built in. We’ll give you a preferential interest rate on a buy-to-let or commercial mortgage when you’re buying an energy-efficient property, so you can benefit from a reduced rate, whilst also reducing your emissions.

Find out more about how Energy Performance Certificate (EPC) property rules have changed

You can expect a lower rate if you're looking to buy or refinance the following:

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  • A residential buy-to-let property with an EPC rating A or B or a commercial property built on or before 31 December 2020, with an EPC rating  A or B
     Energy Performance Certificates are a legal requirement when selling, renting or building a property and contain information about energy use and costs. A rating between A and G is then given and remains valid for ten years. 
  • A commercial property built after 31 December 2020, with an EPC rating A and either a 'Very good' BREEAM rating or a LEED 'Gold' standard certificate  

BREEAM (Building Research Establishment Environmental Assessment Methodology). This is a global rating system which sets the standards for the environmental performance of buildings through their design, specification and construction. It focuses on a range of areas including: energy, pollution, waste, water, and health. Find out more at BREEAM - BRE Group Opens in a new window 

LEED  (Leadership in Energy and Environmental Design)
A globally recognised symbol of sustainable achievements in buildings. Points are earned by a building project that meets set criteria to address carbon emissions, energy, waste, transportation, materials and health. Find out more at:  LEED rating system Opens in a new window

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