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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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.
- Our Coutts Green Mortgage could reward you for buying an energy-efficient property.
-
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.
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
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Sustainable Retrofitting for UK property
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 7957 2424 (Relay UK 18001 020 7957 2424) to find out more about our services.
Already a client?
Contact your private banker at any time or call +44 (0)20 7957 2424 (Relay UK 18001 020 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.
