Just For You Lifetime Mortgage Energy Performance Discount

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

This innovative feature, now available across the entire Just For You Lifetime Mortgage range, reduces the standard interest rate by 0.10% for the duration of the loan.

We’ll apply the discount automatically and adjust the rate at offer stage if your client already has a property with a valid EPC rating of A, B or C.

If your client’s property doesn't have a valid EPC, or has a current EPC rating of D or lower and they'd like a more recent one, they can request it for free as part of their application. We'll then adjust the discount automatically at offer stage if their property achieves an EPC rating of C or above.

Clients who own a property with a valid EPC rating of C or above are not eligible for a free EPC as their property already qualifies for the discounted rate.

Read our FAQs for more details

Energy efficiency ratings explained

Every home must now 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 public register:

England, Wales and Northern Ireland