The C-Change retrofit scheme offers a discount of 0.25% from our Variable Rate (VR) for each rating improvement in your home’s Energy Performance Certificate (EPC). This could be either its Energy Efficiency or Environmental Impact rating – whichever is the highest.

For example, if either EPC rating improves from E to C after the works to the property are completed, a discount of 0.50% will be available on the whole of the mortgage, for the duration of the loan. The discounts are deducted from our Variable Rate (currently 6.04% – the overall cost for comparison is 6.3% APRC).

To apply the discount, we need to receive an EPC before you undertake works to your home and another EPC once works are completed. We will compare the revised EPC with the original rating, and apply the discount based on the grade improvement achieved. Until we have received your revised EPC, we will charge interest at our Variable Rate. You can find out more by downloading Our C-Change discount brochure.