Buildings Transition Loan

Discounted lending for businesses that want to acquire or refinance energy-efficient properties.

Why we offer the Buildings Transition Loan​

UK buildings are responsible for up to 25% of the UK’s greenhouse gas emissions and are rated as the least efficient in Europe. A transition to more energy efficient buildings should relieve pressure on energy supply, reduce costs and limit greenhouse gas emissions.​

How it can benefit your business

Discounted finance​

We offer either a ‘fee free’ or discounted arrangement fee.

Cost savings

More efficient buildings may result in lower energy costs for tenants and lower operating costs for landlords.​

Higher value​

Buildings with higher EPC ratings may attract higher sale values and an increase in rents.​

Environmental impact​

Efficient buildings can help to improve environmental impact and support the UK’s transition to net zero.​

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If you’re interested in speaking to someone about the Buildings Transition Loan, you can request a callback and select the most relevant option from the drop down that appears.

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The information you provide will be used by us to forward your enquiry to the correct team for them to contact you at the earliest convenience.  You need to have a business bank account with us to access the Buildings Transition Loan.


For full information about how we use personal data please view our privacy notice.
 

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The types of buildings you can use this loan for*

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Residential

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Commercial

*Subject to eligibility, the loan can be used to acquire or refinance residential and commercial buildings.​

Important Information

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Is your business eligible?​

You must meet the following criteria:​

  • ​​Available for businesses with an annual  turnover between £3 million and £100 million only​.
  • You may refinance or purchase a property that is already energy efficient, rated EPC-A or EPC-B.
  • You may refinance or purchase properties rated EPC-C to EPC-G if you commit to improving (retrofitting) the property to at least EPC-B energy efficiency within a timeframe agreed with your Relationship Manager.
  • MCOB regulated properties are excluded.​
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Keep in mind

  • We will only recognise the portion of the loan associated with EPC-A and EPC-B rated buildings as sustainable finance, in line with our Sustainable Financing Framework​​.
  • ​​For businesses with a £3-£25m turnover there is no arrangement fee; for £25-£100m turnover we offer up to £150,000 discount from the arrangement fee per BTL deal.
  • In addition to the Buildings Transition Loan, we can offer discounted lending for businesses looking to retrofit their properties using our Clean Growth Financing Initiative.

Green Buildings Tool

Our Green Buildings Tool enables you to identify, evaluate and understand your property to help make it more sustainable and energy efficient. The tool can be used alongside the arrangement fee-free Clean Growth Financing Initiative loan to retrofit your business’ buildings to be more efficient.​

  • Analyse energy saving initiatives that affect the energy performance certificate (EPC) rating which could reduce CO2 emissions.​
  • Reveals initiatives and properties that offer the best return on investment with regards to CO2 reduction

Green Buildings Tool