Energy efficient buildings

We can help you make your buildings more energy efficient, whether you’re building new properties or retrofitting existing ones.

How we can help you with sustainable finance


The built environment makes up 25% of the UK’s greenhouse gas emissions. Our sustainable finance products are tailored towards supporting you in retrofitting, building, acquiring or refinancing energy efficient properties.

Purchasing or refinancing existing energy efficient buildings

Available for small to medium size enterprises (SMEs) - single buildings must be EPC-A or EPC-B rated.

For multiple buildings:

  • At least 75% of the annual rental income must be from EPC-A or EPC-B rated buildings.

These can be financed with our Buildings Transition Loan which offers either a ‘fee free’ or discounted arrangement fee.

Buildings Transition Loan

Building new energy efficient buildings

Commercial property developments

  • EPC A or BREEAM ‘Very Good’ in which case it must still achieve EPC B

Residential property development

  • Properties funded to have a minimum EPC B+ (SAP 84) with no fossil fuel heating or power, or minimum SAP 88 with a gas boiler. 
  • All units must be a minimum of EPC B.

Get finance for building new energy efficient buildings via our Clean Growth Financing Initiative (CGFI) Term Loan.

Find out more about CGFI

Retrofitting buildings to higher energy efficiency standards

Retrofit an existing commercial or residential building to at least an EPC B. Get finance via our discounted Clean Growth Finance Initiative (CGFI) Term Loan.

More on CGFI

Tools and services

 

Our Green Buildings Tool enables you to identify, evaluate and understand your property to help make it more sustainable and energy efficient. The tool can be used alongside the discounted Clean Growth Financing Initiative loan to retrofit your business’ buildings to be more efficient.​

  • Analyse energy saving initiatives that affect the energy performance certificate (EPC) rating which could reduce CO2 emissions.
  • Reveals initiatives and properties that offer the best return on investment with regards to CO2 reduction.

Green Buildings Tool

 

NextGeneration homebuilding

NextGeneration is an industry-leading sustainability benchmarking system for UK homebuilders.

Find out more, including guidance and the best practices driving positive change in UK homebuilding.

NextGeneration

Insight and guidance

Support for SME housebuilders

Lloyds Bank has a range of finance and sustainability initiatives to help SME developers navigate current challenges and provide much needed new homes.

Support for SMEs

How ESG impacts the built environment

In this online event, sustainability experts Dr Kat Martindale and Marylis Ramos from Savills Earth share what the latest ESG impacts mean for the built environment.

Watch the virtual event

Real estate and housing industry expertise

Find more insight, guidance and resources - and see how we can support you - on our real estate and housing sector hub. 

Real estate hub
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Other sustainability topics

Lower-carbon transport

Reduce your carbon footprint by acquiring electric or hydrogen vehicles and associated infrastructure.

Lower-carbon transport

Energy and renewables

Generate your own green energy with financing for renewables and find out how to switch to green energy providers.

Energy and renewables

Sustainable farming and food

Learn more about the key sustainability themes in agriculture and access the Soil Association Exchange platform to help you grow sustainably.

Sustainable farming

Sustainable manufacturing

Plan your progress with an MTC sustainability line walk and access sustainable finance to improve your energy efficiency.

Sustainable manufacturing

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*All lending is subject to status