Eco Home Reward

Thinking about making your home greener?

You could claim £1,000 for a heat pump or £500 for other eligible green home improvements

Heat pumps

Heat pumps can be an efficient way to heat your home. When installing a heat pump you could claim:

  • £1,000 towards an air or ground source heat pump with our Eco Home Reward
  • Plus £5,000 - £6,000 with a government grant, if you live in England or Wales
     

You can use any installer you like to fit any type of heat pump in your home.

More about heat pumps

 

Green home improvements

Alternatively, you could claim £500 for other eligible green home improvements, including:

  • Loft, wall, and floor insulation
  • Upgrading or replacing your boiler with one that produces less carbon
  • Windows
  • Solar panels to generate your own electricity and/or a battery for storage
Eligible improvements

You must apply for one of these qualifying mortgages:

  • Extra borrowing for home improvements on top of your existing Lloyds mortgage
  • Extra borrowing for home improvements on top of moving your mortgage to Lloyds
  • A Lloyds mortgage to buy your first home
  • A Lloyds mortgage for a buy to let property

You must apply directly through a branch, telephone or online.
 

Info about dates:
 

February to August 2022 registrations

  • If you have your Eco Home Reward email and applied for a qualifying mortgage between 7th February – 31st July 2022, you have until 28th February 2023 to submit your claim form
  • You’ll need to have completed on your qualifying mortgage to claim your cashback

November 2022 onwards

  • Apply for a qualifying mortgage between 1st November 2022 – 30th April 2023
  • Register for the Eco Home Reward by 31st May 2023
  • Submit your Eco Home Reward claim form by 31st October 2023
  • You’ll need to have completed on your qualifying mortgage to claim your cashback


You won't qualify if:

  • You’re remortgaging to us but don’t take out additional borrowing for home improvements
  • Switching an existing Lloyds mortgage to a different deal
  • You applied for a Lloyds mortgage with a Mortgage Broker
  • You applied for the mortgage outside of the qualifying date ranges for your registration period

 

  • 1.   Qualify

    Check you meet the qualifying criteria before registering for the reward. If you’ve been registered by your mortgage adviser, they will have done this for you.   

    2.   Register

    Register for the Eco Home Reward by 31st May 2023. You can do this online or at your nearest branch. The February – August 2022 registration window is now closed. 

    3.   Complete the work

    Use your preferred installer or supplier to carry out the eligible home improvements

    4.   Claim your reward

    You’ll need to let us know your energy saving home improvements are complete. The easiest way is to use our online claim form.

    Claim dates

    November 2022 – May 2023 registrations

    You have until 31st October 2023 to tell us about your completed works.  

    February 2022 – August 2022 registrations

    You have until 28th February 2023 to tell us about your completed works.

    Before you claim, make sure:

    • you’ve completed on your mortgage or additional borrowing request
    • you’ve made at least one of the qualifying energy saving home improvements

    When you claim your cashback reward, we’ll ask you for your mortgage account number. This is an 11 or 12 digit number, starting with ‘10’. You’ll find it on your application, or any documents we’ve sent you about your mortgage.

    We’ll also ask you for the details of the improvements you’ve made, including any invoices for the work. 

  • Registration has now closed for this reward. You have until 28th February 2023 to make eligible changes and claim your reward. Read the full list of eligible improvements (PDF 160kb).
     

  • You can get either: 
    • £1,000 cashback once you've installed a ground or air source heat pump
    • £500 cashback once you’ve carried out one or more of these eligible home improvements:
    • Loft, wall, and floor insulation
    • Upgrading or replacing your boiler with one that produces less carbon
    • Double or triple glazed windows
    • Solar panels to generate your own electricity and/or a battery for storage

    You can use our Eco Home Tool to create a personalised action plan for your home, including how much work is involved and what potential energy savings you could make. 

    Once you’ve received your report, you can also call our free home energy efficiency support line on 0808 196 8257 for more advice. Lines are open Monday to Friday 9am – 5pm. Lines are closed at weekends and bank holidays.  


    Find out more about the range of green home improvements we support below: 

    Low carbon heating

    Your home is surrounded by lots of natural resources, so why not make the most of them? A heat pump or solar water heating system converts natural warmth and solar energy into fuel for your home.

    The following measures will be most effective if your home is fully insulated. 

    You can get either: 

    • £1,000 cashback once you’ve installed a ground or air source heat pump
    • £500 cashback once you’ve installed a biomass pellet boiler or solar thermal panels

    Air source heat pumps

    These absorb heat from the air outside and pump it into your radiators or underfloor heating systems to warm your home. 

    Ground source heat pumps

    These use pipes buried in the ground to extract heat from the earth, which is then used to heat radiators, underfloor, or warm air heating systems, and provide your home with hot water. 

    Biomass pellet boilers

    These are wood-fuelling heating systems that burn pellets, chips, or logs to provide warmth to a single room or heat radiators and hot water tanks to warm up the whole house. 

    Solar thermal (solar hot water heating)

    Solar thermal panels are installed on your roof to capture energy from the sun, which is then used to heat your hot water. 

    Insulation

    Insulating your home is one of the fastest and most effective ways to keep it warmer and reduce your energy bills. This is a permanent change to the structure of your building so, depending on the types of insulation you choose, it might change the way your home looks.

     

    Loft and pitched roof insulation

    The recommended minimum amount of insulation is 270mm and is made up of rolls of mineral wool (known as quills) between and over ceiling joists. You’re also eligible if you’re topping up your loft insulation to meet the recommended minimum amount of 270mm. Pitched roof insulation is applied directly to the underside of the roof and is mainly used in situations where loft insulation isn’t practical. 

    Flat roof insulation

    This can be fitted above, within or below the structure of the roof.

    Solid wall insulation

    Solid wall insulation can either be internal - adding a layer of insulation to the inside of the outside wall - or external - adding a layer of insulation to the outside of your home. 

     

    Cavity wall insulation (including party wall)

    If your house was built in the 1920s or later, it will likely have cavity walls, meaning the outside walls are made of two layers of masonry with a gap or ‘cavity’ in the middle. Cavity wall insulation involves insulating the cavity between the external and internal wall and is one of the most cost-effective ways to make your home warmer and cheaper to heat. 

    Room in roof insulation

    Stiff insulation boards can be cut and placed between the rafters in your roof, which are then covered with plasterboard, or insulated plasterboard if you need a bit extra. Some homes might need a different approach, depending on the available space. 

    Solid floor insulation

    A layer of insulation is usually added on top of the concrete with chipboard laid on top. 

    Suspended wooden floor insulation

    A layer of insulation is placed under the floor, between joists.

    Windows 

    Preventing drafts and improving insulation for windows will keep your home warm and cosy and help reduce outside noise. 

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

    Windows in the UK are given their own energy rating of A-G, with A being the most energy efficient. A-rated glazing comes with two or three panes of glass with a sealed layer of air or gas between them. They be designed or fitted to any type of window, in wood, plastic, or metal frames. 

    Secondary glazing

    Secondary glazing (in addition to single glazing) could be suitable where there are restrictions on the type of glass you can install. 

    Solar energy

    Solar electricity panels (photovoltaics)

    These are installed on your roof to capture energy from the sun, which is then used to generate your own renewable energy for your home. 

    Solar battery storage 

    Solar battery storage allows you to store electricity generated from your solar panels to use in the evening or at a later date. 

     

  • Eco Home Reward rules

    February – August 2022 registrations (now closed)

    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 7th February 2022 and 31st July 2022.
    • Have registered for the Reward by 31st August 2022.
    • Complete your mortgage transaction and the improvements, and have told us that you have completed them including submission of your invoice evidence by 28th February 2023.
    • 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 7th February 2022 or after 31st July 2022

    February 2022 – August 2022 registrations have now closed. 

    November 2022 – May 2023 registrations

    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 1st November 2022 and 30th April 2023.
    • Have registered for the Reward by 31st May 2023.
    • Complete your mortgage transaction and the improvements, and have told us that you have completed them including submission of your invoice evidence by 31st October 2023.
    • 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 1st November 2022 or after 30th April 2023.  
       

    How it works

    We’ll aim to pay the Reward to qualifying customers within 30 days from when you tell us the work has been completed and submit evidence in the form of an invoice. We’ll tell you how to do this when you register.

    The Reward will be paid into the account you pay your Lloyds 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 an Eco Home Reward claim for a ground or air source heat pump installation and other eligible improvements separately. 
     

    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. 

     

  • About the Eco Home Reward

    How does the Eco Home Reward work?

    To qualify for the cashback reward, you'll need to:

    • Make sure you’ve applied for a qualifying mortgage, registered online, and completed on your mortgage and home improvements by the relevant dates. 
    • You’ll need to make at least one of our suggested green home improvements to claim the cashback reward. 

    You can get either:

    £1,000 cashback once you installed a ground or air heat pump

    £500 cashback once you’ve carried out one or more of these eligible home improvements:

    • Loft, wall, and floor insulation
    • Upgrading or replacing your boiler with one that produces less carbon
    • Double or triple glazed windows
    • Solar panels to generate your own electricity and/or a battery for storage

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    Can I get multiple rewards if I make more than one energy efficient home improvement?

    No. You can only claim one reward for each property. You’ll only be able to receive the cashback once, even if you take out a joint mortgage.

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    Can I qualify if I have an existing Lloyds mortgage? 

    To qualify for the cashback reward, you’ll need to have taken out a mortgage or borrowed more on your existing mortgage, completed at least one of our suggested green home improvements, and submitted your claim online, by the relevant dates. 

    It’s important to think carefully before taking out additional borrowing against your mortgage as other borrowing options might be more suitable for your needs. If you’d like some help to decide if additional borrowing is right for you, please speak to your nearest branch or call us on 0800 783 3534. Our lines are open 8am – 8pm Monday to Friday, and 9am – 4 pm on Saturdays. We’re closed Sundays and bank holidays.

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

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    Registering and claiming for Eco Home Reward

    November 2022 – May 2023 registrations are now open. 

    February 2022 – August 2022 registrations have now closed, but you can still claim your cash back reward. 


    How do I claim the Reward? 

    For February 2022 – August 2022 registrations, you have until 28th February 2023 to claim for your cashback reward.

    For November 2022 – May 2023 registrations, you have until 31st October 2023 to claim for your cashback reward.

    Once your green home improvements are finished, submit your claim using our online form. We’ll send you a link to upload invoices for any completed work by email within three working days. This must be done within 14 days of submitting your claim. Successful reward claims will be paid into the account you pay your mortgage from within 30 days - speak to your Mortgage Adviser if it doesn’t arrive when it should.

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    How do I submit my invoice?

    1.  When you submit your Eco Home Reward claim form, we’ll send you an email to request the invoice within three working days. The email will include a secure document upload link.

    2.  To keep your details safe, it’s important you only use the link to submit your invoice and follow the instructions carefully. You should not send us your invoice in an email. 

    3.  To make sure your claim is successful, please load a PDF copy of your invoice. The document upload link will only work once, so make sure all the relevant documents are uploaded at the same time and include all of the following details:

    • Your name and address.
    • The name and address of the person or company who carried out the work. 
    • Invoice number.
    • Date the invoice was raised. This must be after February 6 2022.
    • Description of your home improvements.
    • Total amount payable.

    4.  Once your invoice has successfully uploaded, and you’re eligible, we’ll aim to pay out your cashback within 30 days.

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    What happens if my home improvements are delayed? 

    November 2022 – May 2023 registrations

    If you can’t complete the work on time for any reason beyond your control, please use the  Eco Home Reward notification of delay form to let us know no later than 31st October 2023. 

    February 2022 – August 2022 registrations (now closed)

    If you can’t complete the work on time for any reason beyond your control, please use the  Eco Home Reward notification of delay form to let us know no later than 28th February 2023. 

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    Green home improvements

    How can I decide what home improvements to make? 

    Have you tried our Eco Home Tool? It's really easy to use. Just answer a few questions about your home and it’ll give you a personalised action plan with estimates of your Energy Performance Certificate (EPC) rating, energy costs, and your home’s CO2 emissions. 

    Your action plan will also give you tips on which energy efficient improvements you could make and how much they might cost. It’ll also show you how much money each improvement could save you and will give you an idea of the environmental benefits. 

    Once you’ve got your report, you can also speak to an Energy Savings Trust adviser on 0808 196 8257 for free impartial advice. Lines are open 9am – 5pm Monday to Friday. They’re closed weekends and bank holidays. 

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    What types of home improvements are eligible for the Reward? 

    Read a full list of eligible improvements

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    How do I prove the work is completed? 

    Once you’ve submitted your Eco Home Reward claim form, we’ll ask for details of the improvements made. We’ll send you a document upload link by email, so you can provide us with all relevant invoices for the work. 

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    What if I’m not happy with the completed work?

    Lloyds isn’t responsible for making sure the quality of the work carried out is of a good standard. You’ll need to speak to the supplier used for the work. You can also contact any scheme providers the work might be covered by, such as the Microgeneration Certificate Scheme (MCS), which looks after solar thermal, air or ground source heat pumps, and biomass boiler installations.  

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Haven’t registered yet?

The closing date for the current Eco Home Reward registration is Wednesday 31st May 2023. Please check you qualify for the reward before you submit the form.

Your Lloyds Mortgage Adviser can also help you register.

Register now

Boiler Upgrade Scheme

The government is offering up to £6,000 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. 

Boiler Upgrade SchemeBoiler Upgrade Scheme

How to claim your cashback reward

Already registered for the Eco Home Reward and completed your home improvements? Use our online form to claim your cashback. 

Claim your rewardClaim your reward

Need more time to finish your improvements?

If you’ve already registered for the Eco Home Reward but your home improvements have been delayed, you can let us know by clicking the button below. If the delay’s out of your control, we’ll make a note so it doesn’t affect your cashback reward. 

I need more time I need more time

Eco Home Tool

Ever wondered how energy efficient your home is? Want to know where improvements can be made?

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

Try the toolTry the eco home tool

Home Energy Support Line

For free impartial advice, call our home energy efficiency support line on 0808 196 8257

Lines are open 9am – 5pm Monday to Friday. We’re not open weekends or bank holidays.

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