Social Housing Transition Loan

Get discounted lending to help your social or supported housing organisation to invest in more energy-efficient homes.

What is the Social Housing Transition Loan?

If you're looking to build, buy, refinance or retrofit homes, whether as part of a new development or within an existing portfolio, the Social Housing Transition Loan could help. This loan is designed to help social and supported housing organisations invest in high energy-efficient homes. With discounted finance available over terms of up to 25 years, you could find the funding you need for longer-term planning and delivery.

Benefits of the Social Housing Transition Loan

Discounted lending

If a Social Housing Transition Loan is right for your business, you could borrow without being charged a loan arrangement fee.

One loan for many needs

Keep sustainability and borrowing simple. Bring eligible buying, refinancing, building and retrofit projects together under one loan.

Efficiency for you and your tenants

More energy-efficient homes could mean tenants have lower energy costs, and an improved EPC could help the long-term performance of your stock.

Is a Social Housing Transition Loan right for you?

To support your organisation in providing more energy-efficient housing, speak to your relationship manager or contact us – we can help assess if this is the right lending option for you.

How the Social Housing Transition Loan works

This loan is designed to support both longer-term funding and property improvement activities.

Here’s what your project could include.

  • Buying or refinancing properties with a minimum EPC rating of B.
  • Building new properties to a minimum EPC rating of B.
  • Retrofitting properties from EPC rating C to G so they reach a minimum EPC rating of B.

Check if your organisation can apply

To apply for a Social Housing Transition Loan, you’ll need to be:

  • a social or supported housing organisation
  • looking to borrow up to £25 million
  • managing up to 3,000 units
  • planning or undertaking an eligible project focused on developing or retrofitting properties to an expected minimum EPC rating of B within an agreed time frame.

Tools and support

Green Buildings Tool

Use our Green Buildings Tool to help identify opportunities across your property portfolio.

  • Free interactive tool.
  • Identifies energy-efficient investments.
  • Tailored recommendations.
Green Buildings Tool

SaveMoneyCutCarbon

A specialist independent sustainability service providing practical tools and tailored support to businesses including:

  • free feasibility studies on Solar PV & EV Charging
  • discounted EPC Improvement plan consultancy
  • paid project installation and delivery.
SaveMoneyCutCarbon

All lending is subject to a satisfactory credit assessment and we will need your permission to carry out a credit check on you and your business.

You should not apply for an amount that you cannot comfortably afford to repay now and in the future to avoid the possibility of legal action.

All lending is subject to status. Security may be required.