Eco Home Reward

A cashback reward for our mortgage customers

Our Eco Home Reward allows qualifying mortgage customers to claim one cashback reward for completing an eligible green home improvement.

Does my mortgage qualify?

You must:

  • apply for a qualifying mortgage between 1 November 2022 and 30 September 2023
  • apply directly through a branch, phone or online. You won’t qualify if you use a broker.

Qualifying mortgages include:

  • first time buyer, moving home, or purchasing a buy to let property
  • existing customer borrowing more for home improvements
  • remortgaging to us from another lender and borrowing more for home improvements.

How it works

number one 

Register before 31 October 2023

You need to register before completing an improvement. Not sure if you’re already registered? Check your inbox for your confirmation email.


number two

Complete one of the eligible home improvements

Choose one of the eligible home improvements from our list.

Complete the work using your own installer or one we’ve teamed-up with.

number three

Claim your cashback reward

Make a claim by 29 February 2024.

If you used Octopus Energy you can skip this step - they'll tell us when the work's been done. 

Make a claim

Eligible home improvements

Browse our list of home improvements eligible for the Eco Home Reward and choose the one that's right for you. 

Important: you can only claim one cashback reward.



Cashback value




  • Air source heat pump
  • Ground source heat pump

Cashback value





  • Biomass pellet boiler

Cashback value





  • Battery for solar storage
  • Solar panels (Photovoltaics)
  • Solar thermal heating

Cashback value





  • A-rated double/triple glazing (where replacing single glazing)
  • Secondary glazing

Cashback value





  • Cavity wall insulation (including party wall)
  • Flat roof insulation
  • Loft and pitched roof insulation
  • Room in roof insulation
  • Smart air bricks
  • Solid floor insulation
  • Solid wall insulation
  • Suspended wooden floor insulation

Cashback value


Important: spray foam is not covered by the Eco Home Reward.

Interested in a heat pump?

Learn more about heat pumps and meet the installer we’ve teamed up with. Or, you can use any installer you like.

Air source heat pumps

Octopus Energy can provide a free, personal assessment and quote for an air source heat pump.


More on heat pumps

Important information

  • We’ll aim to pay the Reward to qualifying customers within 30 days from when you submit an invoice for the completed work. We’ll tell you how to do this when you register.

    The Reward will be paid into the account you pay your Lloyds Bank mortgage from. If you don’t have a direct debit set up to pay your mortgage, you’ll need to speak to us to arrange payment.

    You can only claim one Eco Home Reward for a property, even if you’re doing a number of home improvements or if you make more than one mortgage application for that property in the qualifying period. You can’t make a claim for a heat pump installation and other eligible improvements separately.


  • To qualify for the Eco Home Reward (we will call this the Reward), you must:

    Be raising funds through a Lloyds mortgage on a property for qualifying energy efficiency improvements on that property. The Reward is available to customers purchasing their first home, moving to a new home or purchasing a buy to let property. The Reward is also available to existing Lloyds customers borrowing more for home improvements and customers remortgaging to us from another lender and borrowing more for home improvements.

    Have applied for a qualifying mortgage directly through a Lloyds branch, website, or by telephone between 1 November 2022 and 30 September 2023.

    Have registered for the Reward by 31 October 2023.

    Complete your mortgage transaction and the improvements, and have told us that you have completed them including submission of your invoice evidence by 29 February 2024.

    For further guidance on invoice submission, please see the FAQs.

    You will not qualify if:

    Your mortgage was made through a Mortgage Broker.

    You change the type of application during the process. For example, if you are no longer borrowing the additional funds for home improvements as part of your mortgage application.

    You applied for the mortgage before 1 November 2022 or after 30 September 2023.

    Other important information:

    Lloyds is not responsible for the improvements carried out by your chosen supplier. Lloyds releasing the funds to you does not guarantee the quality of work done by the supplier and it is up to you to make sure you are satisfied with the improvements carried out. Lloyds cannot make any guarantee about the costs of the work required or any savings that can be made, and you are responsible for making your own decision.

    You agree that Lloyds might contact you with reminders about this Reward and for research purposes.

    Lloyds reserve the right to withdraw the Reward at any time.

Eco Home Reward FAQs

Find answers to the most common questions about our reward.

FAQs Try the eco home tool

Try our Eco Home Tool

Our Eco Home Tool is great for working out where you could save money on energy bills. You can even create a personalised action plan to help reduce your carbon footprint.

Try the tool Try the eco home tool

Heat pump grants

The government is offering grants towards the cost of upgrading your boiler to a low carbon heating system. You might also qualify for the Eco Home Reward at the same time.

Heat pump grants

Need more time to make your improvements?

If you’ve already registered for the Eco Home Reward but your improvements have been delayed, you can use this online form to let us know. If the delay is out of your control, we’ll make a note so that it doesn’t affect your cashback reward.

Apply for an extension I need more time

You could lose your home if you don’t keep up your mortgage repayments