Operating an account: withdrawals

Withdrawals must be for a specified amount unless the account is to be closed

The minimum withdrawal amount is £5

If a withdrawal would take the account balance below the required amount to keep the account open (£25), the account will have to be closed

Withdrawals can be requested by using a Withdrawal notification form or by sending us a letter signed by whoever is authorised to operate the account

Withdrawals can also be requested online via our Interactive facility (restrictions apply)

Operating an account: deposits

The minimum deposit is £5

You can save monthly by Direct Debit or standing order (the minimum amount payable by Direct Debit is £10)

Deposits can be made by cheque through the post or by transfer via the banking system

For home renovations: C-Change retrofit discount

For homes needing extensive renovations / energy efficiency improvements: C-Change retrofit

The C-Change retrofit scheme offers a discount of 0.25% from our Standard Variable Rate 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 Standard Variable Rate (currently 4.90% - the overall cost for comparison is 5.1% APRC).

Energy Standard

Passivhaus

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Ratings

Passivhaus

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SVR

4.90%

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Discount %

1.25%

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Variable Mortgage Rate

3.65%. The overall cost for comparison is 5.1% APRC

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For new builds and existing energy efficient homes: C-Changes sustainable homes discount

Our C-Change sustainable homes discount applies to new and existing energy efficient homes and extensive retrofits using the Passivhaus EnerPHit methodology. Once your build is complete, you need to provide an Energy Standard certificate and Architect/Building Control certificate for us to apply the Sustainable C-Change discount. The discount is applied from the date we receive all the required documentation and is based on the Energy Standard rating the property achieves.

 

Energy StandardRatingsSVR (Standard Variable Rate)Discount %Variable Mortgage Rate
PassivhausPassivhaus4.65%1.25%3.40%. The overall cost for comparison is 4.80% APRC
PassivhausEnerPHit or
EnerPHit+i
4.65%1.25%3.40%. The overall cost for comparison is 4.80% APRC
PassivhausEnerPHit (PHPP modelled)4.65%0.75%3.90%. The overall cost for comparison is 4.80% APRC
Energy Performance Certificate (EPC)A or above4.65%0.75%3.90%. The overall cost for comparison is 4.80% APRC
Energy Performance Certificate (EPC)B (SAP rating 85+)4.65%0.50%4.15%. The overall cost for comparison is 4.80% APRC
Code for Sustainable Homes (CSH)Code Level 44.65%0.75%3.90%. The overall cost for comparison is 4.80% APRC
Code for Sustainable Homes (CSH)Code Level 54.65%1.00%3.65%. The overall cost for comparison is 4.80% APRC
Code for Sustainable Homes (CSH)Code Level 64.65%1.25%3.40%. The overall cost for comparison is 4.80% APRC
Association for Environment Conscious Building (AECB)Silver4.65%0.75%3.90%. The overall cost for comparison is 4.80% APRC
Association for Environment Conscious Building (AECB)Gold4.65%1.25%3.40%. The overall cost for comparison is 4.80% APRC

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