Green lifetime mortgage feature

Lifetime mortgage clients could get a lower interest rate if their property has a valid Energy Performance Certificate (EPC) rating of A or B.

This innovative green feature, available on our Just For You Lifetime Mortgage 2.5 LTV series, reduces the standard interest rate by 0.10% for the duration of the loan.

The EPC must be submitted at the application stage, but we’ll contribute £50 to the cost of obtaining one. This will be paid to the customer as a cashback when the advance completes, whether they obtained a new EPC or if a satisfactory one existed already. 

Energy efficiency ratings explained

Every home must have an EPC when it’s built, sold or rented – this gives the property an energy efficiency rating from A or 100 (most efficient) to G or 0 (least efficient) and is valid for 10 years. To check whether your property has a valid EPC, please go to the EPC register: