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Eco Home Hub

Find out more about Eco Home government schemes, how to fund energy efficient home improvements, and tips on how to make your home more sustainable.

You must be age 18 or over and resident in the Channel Islands or Isle of Man to apply. You could lose your home if you don’t keep up your mortgage repayments. Lending is at the Bank's discretion. How much we lend, the rate available to you and the issue of a loan is subject to our assessment of your circumstances.

Step 1. Use our Eco Home Tool

 

Our Eco Home Tool will help you work out where you could save money on energy bills. You can create a personalised action plan to help reduce your carbon footprint.

 

Use the tool Opens in same tab

Step 2. Home Booster Loan

We’re giving cashback of up to £1,000 to our qualifying mortgage customers when they make certain home improvements.

Its easy to use our online form to get a decision in principle.

Residency and lending criteria apply.

 

Home Booster Loan Opens in same tab

Step 3. Eco Mortgage

 

If you are buying an energy efficient home or have already made home improvements to make your home energy efficient you may qualify for our Eco Mortgage offer.

Residency and lending criteria apply.

 

Find out more on Eco Mortgage Opens in same tab

Did you know that our homes are one of the highest sources of emissions in the Islands*.

We've teamed up with the Energy Saving Trust to create an Islands Eco Home Energy Saving tool. Answer a few questions about your home and it will give you a personalised plan to save on your energy.

It’s a win-win. Not only will you be shaving money off your bills, you’ll also be doing your bit for the planet.

*Sources - Government of Jersey (PDF, 4.5MB) and Isle of Man Government (PDF 4.80MB)

After using the Eco Home Tool, we can help finance your energy saving home improvements.

Qualifying mortgages include: 

  • First time buyer, moving home, or purchasing a buy to let property
  • Existing customer borrowing more for home improvements
  • Re-mortgaging to us from another lender and borrowing more for home improvements.

 

You can benefit from our Eco Mortgage rate if your home meets the following criteria:

  • For Isle of Man customers, the property must achieve an EPC rating of B or above or have an SAP rating of 84+.
  • For Jersey and Guernsey customers, the property must achieve an average EPC of B across Energy Cost and Environmental Impact ratings on their certificate.

In Jersey and the Isle of Man these are also called Home Energy Audits.

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Borrowing options Opens in same tab
 
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