Green lending

Improve your EPC rating with Retrofit Explorer

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Helping property reach Net Zero

Property is falling behind on the path to Net Zero. With some of the oldest housing stock in Europe, more than half of England’s homes don’t meet EPC band C. 

At the same time, rising energy bills have made efficiency a priority for landlords, tenants and homeowners alike. 

Retrofitting can increase a property’s value, cut costs and reduce emissions. But it’s not always easy to know where to start – or how to fund it. 

We’re here to help. Our green lending solutions support landlords to improve energy performance, unlock long-term value and future-proof their portfolios. 

How we’re supporting greener property

We’re backing the UK’s journey to Net Zero with two targeted lending solutions:

Refurbishment loans

Support for modernising or retrofitting secondary residential assets as part of a development.

Key features:

  • Loans up to £1m+ 
  • Up to £200k of works funded 
  • EPC-linked rate discounts
Find out more

Enviro-let

Our green buy-to-let loan helps landlords improve EPC ratings and reduce energy bills.

Key features:

  • EPC-linked advance (up to 5%) 
  • Payment holiday during works 
  • Mirrors standard BTL rates and terms
Find out more

Please note: All applications must be submitted via a suitably qualified intermediary.

Find your retrofit roadmap 

Retrofit Explorer is a data-powered tool that shows you the steps to boost a property’s EPC rating. It gives landlords and developers real insight into the costs and benefits of retrofitting. 

Try now

Why EPC improvements matter

Green premium

Renters are willing to pay more for energy-efficient homes, delivering a real return on EPC upgrades.

Growing value

Improving a property from EPC D to C can increase its market value by up to 3%.

Future-proofing

Retrofitting now helps landlords prepare for future legislation and can reduce long-term maintenance costs. 

News & insights

IMAGE OF HOME in hands
Development lendingNewsInsights
21 Oct 2021

Our new partnership with Homes England, Greener Homes Alliance

Octopus Capital have partnered with Homes England, the Government’s housing delivery agency, to create the Greener Homes Alliance. The new Alliance commits £175 million, providing both loan finance and expert support to SME housebuilders, enabling them to build more high quality, energy efficient homes throughout England.
Read more