Why we offer the Buildings Transition Loan​

UK buildings are responsible for up to 25% of the UK’s greenhouse gas emissions and are rated as the least efficient in Europe. A transition to more energy efficient buildings should relieve pressure on energy supply, reduce costs and limit greenhouse gas emissions.​

How it can benefit your business

Discounted finance​

We offer an arrangement fee-free loan.​

Cost savings​

More efficient buildings may result in lower energy costs for tenants and lower operating costs for landlords.​

Higher value​

Buildings with higher EPC ratings may attract higher sale values and an increase in rents.​

Environmental impact​

Efficient buildings can help to improve environmental impact and support the UK’s transition to net zero.​

The types of buildings you can use this loan for



*Subject to eligibility, the loan can be used to acquire or refinance residential and commercial buildings.​

Important Information

Is your business eligible?​

You must meet the following criteria:​

  • ​Available for small to medium sized enterprises (SMEs)​.
  • If the loan is for a single building it must be EPC A or EPC B-rated.
  • If the loan is for multiple buildings, then at least 75% of the loan value must be for EPC A or B-rated buildings. The remainder may be used for minimum EPC C-rated buildings. We will calculate this for you.​
  • MCOB regulated properties are excluded.​

Keep in mind​

  • We will only recognise the portion of the loan associated with EPC A and EPC B rated buildings as sustainable finance, in line with our Sustainable Financing Framework​​.
  • We offer an arrangement fee-free loan.​​
  • In addition to the Buildings Transition Loan, we also offer 0% arrangement fee loans for businesses retrofitting their properties under the Clean Growth Finance Initiative.

Enquire Now

Enquire Now

Existing Lloyds Bank customers: Reach out to your relationship manager

New customers: Call our team on 0800 022 4378

Green Buildings Tool


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 arrangement fee-free 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

Important Legal Information

Calls may be monitored or recorded in case we need to check we have carried out your instructions correctly and to help improve our quality of service.

The products and services outlined on this site may be offered by legal entities from across Lloyds Banking Group, including Lloyds Bank plc and Lloyds Bank Corporate Markets plc. Lloyds Bank plc and Lloyds Bank Corporate Markets plc are separate legal entities within the Lloyds Banking Group.

Lloyds Bank is a trading name of Lloyds Bank plc, Bank of Scotland plc and Lloyds Bank Corporate Markets plc. Lloyds Bank plc. Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales no.2065. Bank of Scotland plc. Registered Office: The Mound, Edinburgh EH1 1YZ. Registered in Scotland no. SC327000. Lloyds Bank Corporate Markets plc. Registered office 25 Gresham Street, London EC2V 7HN. Registered in England and Wales no. 10399850. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278, 169628 and 763256 respectively.

We adhere to The Standards of Lending Practice which are monitored and enforced by the LSB: www.lendingstandardsboard.org.uk.

Eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS). We are covered by the Financial Ombudsman Service (FOS). Please note that due to FSCS and FOS eligibility criteria not all business customers will be covered.