Energy Efficiency Programme

Ethical Loans for a Greener Future

Our Energy Efficiency Loan Programme supports organisations working to improve the energy performance of their residential properties – whether you’re upgrading homes, exploring renewable technologies, or reducing long‑term running costs.

Loan Size

Loans available from £500,000 upwards

Requirements

Environmental impact reporting (energy savings, carbon reduction)

Term

Up to 15 years, with interest-only options for strong borrowers

Rates & Fees

Discounted interest rates for retrofit upgrades and reduced arrangement fees for strong social or environmental projects (available from March 2026)

Talk to us about our Energy Efficiency Programme

What is it and who is it for?

Our Energy Efficiency Loan Programme is a £50 million programme designed to help organisations invest in energy‑saving improvements such as heat pumps, solar panels, and other measures.

It is aimed at social housing providers and charities that own or operate residential buildings and want to upgrade them using ethical finance solutions to reduce energy use, cut emissions, and improve the long‑term performance of their properties.

Discounted Interest Rates and Arrangement Fees

The loan programme offers an affordable way to invest in essential energy‑saving improvements. Borrowers can benefit from reduced arrangement fees for projects that deliver strong social or environmental impact, and discounted interest rates for all retrofit projects (available from March 2026).

Together, these incentives make it easier for organisations to upgrade properties, reduce energy consumption, and improve long‑term sustainability without putting additional financial strain on their operations.

Talk to us about your project

Talk us through what you need by filling in our easy step-by-step form which will give us all the information we need to discuss your loan.

Discuss your project

Why It Matters

Helps improve energy efficiency ratings

Assists organisations' transition to net zero

Supports UK decarbonisation goals

Supports social property improvements

Makes green project funding more accessible

FAQs

Here we’ve listed the common questions we get about our loans. If you still have a question please do not hesitate to contact us.

What are green loans?

Green loans are a type of financing designed to support projects that help borrowers achieve their sustainability goals. These loans can fund initiatives like developing energy-efficient housing, reducing the environmental impact of existing properties, or transitioning to net-zero energy systems.

What types of projects can be funded with a green loan?

Projects eligible for green loans include building or retrofitting for energy efficiency, reducing emissions, promoting biodiversity, transitioning to sustainable energy, and delivering sustainable waste management.

How does Charity Bank support borrowers with green loans?

Amount Available