helping you help the planet
From guiding your business through the transition to net zero to making your home more energy efficient, our range of climate financing and support tools, could help your goals become reality.
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.
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.
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.
- 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
Climate support for businesses
Planning for prosperity in a changing world
As part of the NatWest Group, Coutts & Co work with our commercial clients to identify and achieve their climate targets, employing a range of innovative tailored financial solutions. Our digital tools and partnerships are free to use - helping you to understand your businesses’ emissions and giving you a quantitative foundation on which to build your plans for the future.
We could provide green loans and asset financing to support your business; helping you invest in energy efficient properties, or access energy efficiency savings through investing in eligible assets such as solar panels, electric vehicles, or heat pumps on commercial buildings.
Even when you’re feeling inspired, it can be daunting not knowing where to begin. As part of NatWest Group, we engage a broad range of services and partners to help your business prosper through the transition to a net zero world.
Discover a more sustainable future with NatWest Carbon Planner
All great ideas grow from a great plan. By starting with our free Carbon Planner, you can understand the carbon footprint of your business, identify improvements and savings, then review a tailored plan which will give you a head start on tackling your emissions.
The NatWest Carbon Planner is free to use for any UK businesses. Measure your carbon footprint by answering a few questions and see bespoke actions and start building a plan to reduce your emissions.
Supporting businesses with climate-related supply chain reporting
Many UK businesses want to reduce their carbon emissions and tap into the potential growth within a sustainable supply chain – but they find emissions reporting a challenge.
The NatWest free toolkit, developed in partnership with carbon-management experts Cogo, offers:
- Benefits for SMEs engaging in carbon management
- Help with creating an emissions inventory
- Support in setting targets and making public commitments
- Guides to making action plans that could help achieve targets
- Tips on evaluating progress and certification
Through the NatWest Group, we have partnered with UK companies providing specialised and efficient sustainability solutions. The following services are offered for free to all our existing Commercial clients.
Identify Savings and Actions
Emissis, a new NatWest partner, manufactures and installs voltage optimisation (VO) technology to help businesses reduce costs and emissions. A lot of us pay for energy we don’t need. Most electrical devices work best at 220 volts, but the National Grid supplies 242 volts on average to all users. VO technology adjusts the incoming voltage so that you could pay less for what you use.
Emissis T&Cs apply. Saving guarantees are provided by Emissis after a site survey and are not backed by NatWest Group. Energy savings and CO2 data provided by Emissis, November 2023.
Explore Solar Energy
NatWest Group have partnered with D-CAT to help business owners explore solar energy. Their technology captures the solar potential of your sites remotely estimating potential savings and return on investment. This free online tool will give you a quick estimate of whether solar panels are worth exploring.
Any content you view or services you access on the partner webpages are provided by a third party. NatWest Group is not responsible or liable for any content, including but not limited to any advertising, products, materials, services or advice.
Install Solar Energy
Once you understand the potential for solar energy for your commercial property, Absolar are able to conduct a detailed assessment to help you make a decision.
Using remote sensing and AI to assess buildings remotely, an Absolar report is typically returned to you within 48 hours. You'll quickly get a view of your options and access to a directory of certified suppliers in your area.
Any content you view or services you access on the partner webpages are provided by a third party. NatWest Group is not responsible or liable for any content, including but not limited to any advertising, products, materials, services or advice.
We are able to provide specialised training and support for you and your colleagues: From free learning, events and networking to on-hand guidance from leading industry experts*.
Retrofit Training Programme
Retrofitting buildings could be key to supporting the UK economy while addressing climate change. We’re delighted to partner with the Supply Chain Sustainability School to deliver a programme to help accelerate retrofits.
The free retrofit learning programme helps you understand what steps your business could take through, e-learning modules, online assessments, workshops, webinars.
If you choose to access the links then any content you view or services you access are provided by the Supply Chain Sustainability School, and NatWest is not responsible for or liable for any content, including, but not limited to any advertising, products, material, services or advice.
MENTOR
Not everything can be done alone. Thousands of businesses trust Mentor to help manage their employment law, HR, health & safety, and environmental issues.
Your company’s environmental impact is also your legal responsibility. Mentor’s 24/7 support helps you comply with environmental laws, could strengthen your company’s brand, and help win new business with improved credentials.
Some Mentor services incur a cost.
Our range of finance solutions can help you make your business more sustainable. Our diverse green lending options support a wide range of investment options across renewable energy, energy efficiency and eco-friendly innovations, helping both your business and the environment.
Commercial Green Loan
The Commercial Green Loan aims to help eligible UK businesses finance assets for buildings, energy, transport and agriculture solutions that meet our Bank’s eligibility criteria by providing lending with no arrangement fees for eligible UK businesses.
To learn more about how we could help, please contact your Commercial Relationship Manager.
Minimum deal size of £25,001
Large Commercial & Development Green Loan
The Large Commercial & Development Green Loan is available to support eligible UK businesses finance sustainable infrastructure, development, and transformation projects.
Please contact your Commercial Relationship Manager to find out more about how we could support your transition plans.
Minimum deal size of £5,000,000
Lombard Finance
Lombard finance is available for assets including batteries, electric vehicles, boilers, LED lighting and solar panels.
Lombard also offers flexible finance for a range of low-emission machinery, cars, buses, and vans and could offer support in setting up Electric Vehicle Salary Sacrifice Scheme, with benefits to both you and to your employees.
Contact your Commercial Relationship Manager to learn more about the opportunities offered by Lombard.
Security may be required. Product fees may apply. Finance is only available for business purposes.
Commercial Green Loans and Large Commercial & Development Green Loans - Eligibility criteria apply, and security may be required. Fees (other than arrangement fees) may apply. Over 18s only. Subject to status, eligibility, and approval. Business use only. Any property or asset used as security may be repossessed or forfeited if you do not keep up repayments on any debt secured on it. Terms apply.
Asset Finance is provided through NatWest Group’s subsidiary Lombard and is available to over 18s. Security may be required. Fees may apply. Available to UK customers for business purposes only. Subject to status, eligibility, and approval. Finance provided by Lombard North Central PLC. Registered in England & Wales No.337004. Registered Office: 250 Bishopsgate, London, EC2M 4AA. Lombard North Central Plc is authorised and regulated by the Financial Conduct Authority for consumer credit activities.
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 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.
