1940995387

helping you help the planet

From mortgage discounts to support creating an energy efficient home, we could help you do your bit to tackle climate change.

 

Addressing the climate crisis would appear to begin at home. Residential property represents 16% of the UK’s total carbon emissions, according to the Department for Business, Energy & Industrial Strategy (as at February 2022). So getting your house in order could be one of the best ways to contribute to a more sustainable future.

And we’re here to help. Whether you’re buying an energy efficient property or making your current home more sustainable, we could give you helpful tips and financial support. 

Here at Coutts, we take climate change extremely seriously, so we support our clients’ efforts to reduce their carbon footprints. Our ambition is that 50% of our mortgage portfolio has an EPC rating of C or above by 2030.

 

You could get up to £2,000 off your mortgage fee

Our Green Mortgage Products are our way of rewarding clients who either buy an EPC rating reference building or renovate an existing one to reduce their carbon footprint.

We measure and track the carbon footprint of homes through their Energy Performance Certificate (EPC) – the standard government measure of a property’s energy efficiency which provides a grade from A to G.

We currently offer two Green Mortgage Products:

 

Green mortgage

  • Our Coutts Green Mortgage could reward you for buying an energy-efficient property.
  • It involves a potential discount of up to £2,000 if you’re intending to buy an energy-efficient home with an EPC rating of grade A or B. The amount you get back depends on how much you borrow.

 

Retrofit Green Mortgage

  • Our Retrofit Green Mortgage could reward you for renovating an existing property to make it more energy efficient. 
  • It involves a potential discount of up to £2,000 on your original mortgage arrangement fee once the improvements to your home are made, and its EPC grade has gone up to a C or above. You have 24 months from taking the mortgage to achieve the rating, and the amount you get back depends on how much you borrow.

When issuing Green Mortgage Products, we adopt the Green Home Retrofit Finance Principles, which ensure loans are given only to energy-efficiency work that meets industry-accepted standards in the UK.

Speak to your private banker to find out more.

 

Your home or property may be repossessed if you do not keep up repayments on your mortgage. Over-18s only. Terms and conditions apply.

You may not be eligible for all Coutts Green Mortgage Products. Security may be required. Product fees may apply. Subject to status.

 

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Many people are choosing to retrofit their homes to reduce their energy consumption and carbon emissions. This can involve improving the insulation in your property or switching to renewable energy sources. The results can bring you a number of benefits alongside reducing your carbon footprint, such as lowering your household bills and making your home more comfortable.

You can learn more about Retrofitting at our saving energy at home webpage, which answers some common questions and details the potential challenges and  benefits of retrofitting across different property types. We've also created specific guides covering improvements like home insulation, solar panels, and heat pumps.

If you feel a retrofit is right for you, you can use our NatWest Home Energy Plan to access a free digital pathway showing suggested energy saving improvements for your home. If you are a Coutts client, you can also book a free in-home energy assessment with Vibrant. 

ACCESS EXPERT ADVICE

 

Saving Energy at home

For useful tips and guides to help you understand retrofitting.

 

 

Home energy hub

Find out how you could make your home more energy efficient with the free NatWest Home Energy Plan.

 

Financing Options

Our Home Energy Improvement loan promotion is our way of rewarding clients who would like to use short-term borrowing to enhance the energy efficiency of their home.

You could receive a refund of your arrangement fee, up to £500. Please check our List of Energy Efficient Improvements to see if you’re eligible.

For every successful fee refunded, we will also pledge to plant ten native UK trees with The Conservation Volunteers.

Credit subject to status. Exclusions may apply. Criteria apply. Over 18s only. Full terms and conditions.

To find out more and discuss an application, please speak to your Private Banker.

Promotion features

  • Unsecured loan amount from £1,000
  • We charge an arrangement fee of 1% of the loan amount, the minimum charge is £50
  • 6 month to 25 year term
  • Repayable on a capital and interest or interest only basis

 

up TO £500 REFUND

If more than 50% of your loan is for an eligible purpose you may be entitled to a refund of the arrangement fee up to £500.

 

Representative 10.5% APR (variable)
 

This rate is available for loans between £5,000 and £150,000. Other loan amounts are available at alternative rates. Our rates depend on the term of the loan, amount of the loan and your circumstances. The loan rate may differ from the Representative APR. We also charge an arrangement fee of 1% of the loan, the minimum charge is a £50 fee.

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10 trees planted

We will pledge to plant ten trees in local communities across the UK for every refunded fee.

 
Representative example
  • Borrowing amount £50,000
  • Over 36 months
  • Monthly repayments £1,598.13
  • Total repayment £58,032.67
  • Representative 10.5% APR (variable, Annual Percentage Rate)
  • Interest rate 9.34% p.a. (variable, 4.34% Above Coutts Base Rate)
  • Arrangement fee: £500

Sustainable Retrofitting for UK property

An Electric Vehicle may help you reduce your carbon emissions as well as save money on your regular commute.

The UK government currently offers an EV ChargePoint grant, which could provide funding of up to 75% towards the cost of installing an electric vehicle smart charge point if you own and live in a flat or rent any residential property. More information including eligibility criteria can be found here.

To explore what financing options Coutts is able to provide to help you purchase an Electric Vehicle, please speak to your Private Banker.

Security may be required. Credit subject to status. Exclusions may apply. Criteria apply. Over 18s only.

  • Green Mortgage Products

    You could get up to £2,000 off your mortgage fee

    Our Green Mortgage Products are our way of rewarding clients who either buy an EPC rating reference building or renovate an existing one to reduce their carbon footprint.

    We measure and track the carbon footprint of homes through their Energy Performance Certificate (EPC) – the standard government measure of a property’s energy efficiency which provides a grade from A to G.

    We currently offer two Green Mortgage Products:

     

    Green mortgage

    • Our Coutts Green Mortgage could reward you for buying an energy-efficient property.
    • It involves a potential discount of up to £2,000 if you’re intending to buy an energy-efficient home with an EPC rating of grade A or B. The amount you get back depends on how much you borrow.

     

    Retrofit Green Mortgage

    • Our Retrofit Green Mortgage could reward you for renovating an existing property to make it more energy efficient. 
    • It involves a potential discount of up to £2,000 on your original mortgage arrangement fee once the improvements to your home are made, and its EPC grade has gone up to a C or above. You have 24 months from taking the mortgage to achieve the rating, and the amount you get back depends on how much you borrow.

    When issuing Green Mortgage Products, we adopt the Green Home Retrofit Finance Principles, which ensure loans are given only to energy-efficiency work that meets industry-accepted standards in the UK.

    Speak to your private banker to find out more.

     

    Your home or property may be repossessed if you do not keep up repayments on your mortgage. Over-18s only. Terms and conditions apply.

    You may not be eligible for all Coutts Green Mortgage Products. Security may be required. Product fees may apply. Subject to status.

     

    Untitled design - 1
  • Retrofitting Support

    Many people are choosing to retrofit their homes to reduce their energy consumption and carbon emissions. This can involve improving the insulation in your property or switching to renewable energy sources. The results can bring you a number of benefits alongside reducing your carbon footprint, such as lowering your household bills and making your home more comfortable.

    You can learn more about Retrofitting at our saving energy at home web page, which answers some common questions and details the potential challenges and  benefits of retrofitting across different property types. We've also created specific guides covering improvements like home insulation, solar panels, and heat pumps.

    If you feel a retrofit is right for you, you can use our NatWest Home Energy Plan to access a free digital pathway showing suggested energy saving improvements for your home. If you are a Coutts client, you can also book a free in-home energy assessment with Vibrant. 

     

    ACCESS EXPERT ADVICE

    Saving Energy at home

    For useful tips and guides to help you understand retrofitting.

     

    Home energy hub

    Find out how you could make your home more energy efficient with the free NatWest Home Energy Plan.

     

    Financing Options

    Our Home Energy Improvement loan promotion is our way of rewarding clients who would like to use short-term borrowing to enhance the energy efficiency of their home.

    You could receive a refund of your arrangement fee, up to £500. Please check our List of Energy Efficient Improvements to see if you’re eligible.

    For every successful fee refunded, we will also pledge to plant ten native UK trees with The Conservation Volunteers.

    Credit subject to status. Exclusions may apply. Criteria apply. Over 18s only. Full terms and conditions.

    To find out more and discuss an application, please speak to your Private Banker.

    Promotion features

    • Unsecured loan amount from £1,000
    • We charge an arrangement fee of 1% of the loan amount, the minimum charge is £50
    • 6 month to 25 year term
    • Repayable on a capital and interest or interest only basis

    up TO £500 REFUND

    If more than 50% of your loan is for an eligible purpose you may be entitled to a refund of the arrangement fee up to £500.

     

    Representative 10.5% APR (variable)
     

    This rate is available for loans between £5,000 and £150,000. Other loan amounts are available at alternative rates. Our rates depend on the term of the loan, amount of the loan and your circumstances. The loan rate may differ from the Representative APR. We also charge an arrangement fee of 1% of the loan, the minimum charge is a £50 fee.

    Untitled design - 1

    10 trees planted

    We will pledge to plant ten trees in local communities across the UK for every refunded fee.

     
    Representative example
    • Borrowing amount £50,000
    • Over 36 months
    • Monthly repayments £1,598.13
    • Total repayment £58,032.67
    • Representative 10.5% APR (variable, Annual Percentage Rate)
    • Interest rate 9.34% p.a. (variable, 4.34% Above Coutts Base Rate)
    • Arrangement fee: £500

    Sustainable Retrofitting for UK property

  • Electric Vehicles

    An Electric Vehicle may help you reduce your carbon emissions as well as save money on your regular commute.

    The UK government currently offers an EV ChargePoint grant, which could provide funding of up to 75% towards the cost of installing an electric vehicle smart charge point if you own and live in a flat or rent any residential property. More information including eligibility criteria can be found here.

    To explore what financing options Coutts is able to provide to help you purchase an Electric Vehicle, please speak to your Private Banker.

    Security may be required. Credit subject to status. Exclusions may apply. Criteria apply. Over 18s only.

Contact Us

Become a client

When you become a client of Coutts, you join a network of exceptional people. Get in touch online or call +44 (0)20 7753 1365 to find out more about our services.

Already a client?

Contact your private banker at any time or call +44 (0)20 7957 2424 for more information.

 

All calls with Coutts are recorded for training and monitoring purposes.

All calls with Coutts are recorded for training and monitoring purposes.