Our Renovation Mortgage is designed for people who wish to transform existing buildings into more sustainable, energy-efficient spaces. Whether you’re restoring a rural cottage, retrofitting a Victorian terrace, or breathing new life into an old residential building, your project could qualify.

We consider a wide range of property types, including:

• Traditional homes – including stone cottages, brick terraces, and timber-framed houses in need of modernisation, and an upgrade to their energy efficiency
• Properties built with non-standard construction – unconventional builds that are often hard to finance elsewhere
• Derelict or ‘unmortgageable’ properties – we’ll consider projects others may not, provided there’s a clear plan for improvement and renovation.

To qualify, your renovation should aim to improve the property’s environmental performance. We’ll look for:

• Works you plan to do to improve the energy efficiency of your property
• Consideration of renewable energy systems e.g. solar panels, heat pumps
• An improvement of at least one grade on your property’s Energy Performance Certificate (EPC) rating.

Our mortgages are available in the UK (England, Scotland, Wales and Northern Ireland) and available for purchases or remortgages.