Eco Home Reward

If you're thinking about making your home kinder to the environment, you might be wondering where to start and how to pay for your improvements. The good news is, we're here to help when you're ready to commit to make your home greener. 

About the reward

You could claim up to £1,000 cashback towards your green home improvements. 

If you qualify, you could claim:

  • £1,000 when you install a ground or air source heat pump or
  • £500 if you make one or more approved improvements to your home:
  • Insulation
  • Heating system
  • Windows and doors
  • Heating controls
  • Solar panels and battery storage

Find out more about all of the green home improvements we support

To qualify for the reward you’ll need to:

  • Make sure you’ve applied for a qualifying mortgage between 7th February 2022 and 31st July 2022 
  • Make sure you’ve registered for the Eco Home Reward by 31st August 2022
  • Complete the online Eco Home Reward claim form by 28th February 2023 and upload the invoice for the green improvements you make to your home

Important information:

  • Please read the guidance in our FAQs before uploading your invoice
  • Find out if you are eligible for the cashback reward before registering 
  • If you qualify, your cashback reward will be paid into the account you use to make your monthly mortgage or loan payments
  • Follow the three steps below to claim your Eco Home Reward: 

    Make sure you’ve applied for a qualifying Lloyds mortgage between 7 February 2022 and 31 July 2022

    You qualify for the Eco Home Reward if: 

    • you're borrowing more for home improvements as an existing Lloyds mortgage customer or as part of remortgaging to us from another lender, or
    • you're applying for a Lloyds mortgage to move home, buying your first property, or
    • you’re applying for a Lloyds buy to let mortgage

    You won't qualify for the Eco Home Reward 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 through a Mortgage Broker
    • You applied for the mortgage before 7th February 2022 or after 31st July 2022

    Make sure you’ve registered for the Eco Home Reward by 31st August 2022.

    Tell us about your home improvements by Tuesday 28 February 2023.

    To claim your cashback reward, make sure to let us know about your energy saving home improvements by using our Eco Home Reward online claim form, in your nearest branch or over the phone. 

     

    Before you claim your cashback, you should make sure that:

    • 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 the invoice for the work.

    You won’t qualify for the reward if you are behind with your mortgage payments by £1 or more at the time you tell us about your improvements. 

  • You can get: 
    • £1,000 cashback once you've installed a ground or air source heat pump or
    • £500 cashback once you've implemented one or more eligible home improvement from the following areas:  
    • Insulation
    • Windows and doors 
    • Heating controls
    • Low carbon heating 
    • Solar PV Panels and Solar Battery storage 

    You can use our Eco Home Tool to create a personalised action plan for your home. Your action plan will give you more information on each of the home improvements, from the work involved to estimated contribution to energy bill savings. 

    After you’ve received your personalised report, you can call our dedicated energy efficiency phone line for further support on 0808 196 8257. The telephone line is open Monday to Friday 9am to 5pm (except public holidays). 

     

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

     

    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.

    You can get: 

    • £1,000 cashback once you've installed air or ground heat pumps or
    • £500 cashback once you've installed biomass pellet boilers or solar thermal panels.

    Air Source Heat Pump

    Air source heat pumps (ASHPs) absorb heat from the air outside your home, then pump it into your radiators or underfloor heating systems to warm your home.

    Ground Source Heat Pump

    Ground source heat pumps (GSHPs) use pipes buried in the ground outside your home to extract heat from the earth, which is then used to heat radiators, underfloor or warm air heating systems, and provide hot water in your home.

    Biomass Pellet Boilers

    Wood-fuelled heating systems, also called 'biomass systems' burn wood pellets, chips or logs to provide warmth in a single room, or to power central heating and hot water cylinders to heat the whole house.

    Solar Thermal (Solar Hot Water Heating)

    Solar thermal panels are installed on your roof to capture solar energy. This is then used to heat the hot water in your home.

    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 type(s) of insulation you choose, it may 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 primarily used in situations where loft insulation is not practical.

    Flat roof insulation

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

    Solid walls insulation

    Solid wall insulation can be either 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 will be made of two layers of masonry with a then 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 with insulated plasterboard if you need extra insulation. Some homes may need a different approach, depending on the available space.

    Solid floor insulation

    Most often, a layer of insulation is added on top of the concrete, with chipboard layer laid on top.

    Suspended wooden floor insulation

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

    Windows and doors 

    Preventing drafts and improving insulation for doors and 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 to G, with A being the most energy efficient. A-rated glazing comes with two are three panes of glass with a sealed layer of air or gas between them. They can be designed or fitted to any type of window, in wood, metal or plastic frames.

    Draught-proofing doors and windows

    Draught-proofing internal doors and windows is a very cost-effective way to insulate your home, as you'll only need to install draught-stripping. If you want a more robust option, you can choose metal or plastic strips, or for windows that don't open, you can use a silicon sealant.

    Secondary glazing

    Secondary glazing (in addition to single glazing) could be suitable where restrictions on the type of windows you can install exist. Your installer will need to fix an extra piece of glass or acrylic to your existing window.

    New insulated external doors (replacing single glazed or solid doors installed before 2002)

    If your home has an old or poorly fitted front or back door, it could be a source of heat loss. A new, modern uPVC door could help to stop heat escaping and keep your energy costs down - and best of all, it's quick and easy to install.

    Heating controls

    With a smart thermostat system, parts of your home will regulate themselves much better, reducing energy wastage while still giving you the hot water and warmth you need - when you need it.

     

    Heating controls

    These include time and temperature zone control (radiator and underfloor heating or warm air systems), thermostatic radiator valves or additional thermostatic controls and warm air systems. Room thermostats and thermostatic radiator valves work together to first judge the temperature of each room in your house, then adjust each radiator individually to the required temperature.

    Solar energy

    Solar Electricity Panels (Photovoltaics)

    Solar electricity panels are installed on your roof to capture solar energy. This is then used to generate your own renewable electricity for your home.

    Solar Battery Storage 

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

     

  • Eco Home Reward Rules

    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 mortgage customers borrowing more for home improvements and customers remortgaging to us from another lender and borrowing more for home improvements.
    • Applied for a qualifying mortgage directly via our Lloyds branch, website or by telephone between 7th February 2022 and 31st July 2022 
    • 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 application was made through a Mortgage Broker
    • You change the type of application during the process for example if you are no longer borrowing additional funds for home improvements as a part of your remortgage application
    • There are arrears on your mortgage account. For the purpose of these rules arrears means when a total sum of £1 or more of the monthly payment(s) due remain unpaid at the time you notify us that your green home improvements are complete
    • You applied for the mortgage before 7th February 2022 or after 31st July 2022

    Please note the last day to register for the Eco Home Reward was on 31st August 2022.

    How it works

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

    The Reward will be paid into the account that funds the mortgage. If you don't have a direct debit set up to pay your mortgage you will need to speak to us to arrange payment.

    You can only claim one Eco Home Reward for a property even if you are doing a number of home improvements or if you make more than one mortgage application for that property in the qualifying period. You cannot claim an Eco Home Reward for a ground or air source heat pump installation and other eligible improvements separately. 

    Other important information 

    Lloyds Bank is not responsible for the improvements carried out by your chosen supplier. Lloyds Bank releasing the funds to you does not guarantee the quality of the work done by the supplier and it is up to you to ensure that you are satisfied with the improvements carried out. Lloyds Bank 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 Bank may contact you with reminders about this Reward and for research purposes.

    Lloyds Bank 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 between 7th February 2022 and 31st July 2022
    • make sure you’ve registered for the reward by 31st August 2022
    • complete on your mortgage and notify us that the work has been completed by 28th February 2023

    You'll need to make at least one energy-efficiency home improvements from our recommended list to be eligible for the cashback reward. 

    You can get: 

    • £1,000 cashback once you installed a ground or air heat pump or 
    • £500 cashback once you've implemented one or more eligible home improvement from the following areas: 
    • insulation
    • windows and doors 
    • heating controls
    • low carbon heating 
    • Solar PV Panels and Solar Battery 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 will 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? 

    Our existing mortgage customers qualify if they applied for additional borrowing for qualifying home improvements between 7th February 2022 and 31st July 2022 and registered for the reward by 31st August 2022. You’ll need to submit your claim for the cashback reward by 28th February 2023. Our minimum additional borrowing amount is £10,000.

    It's important to think carefully taking out additional borrowing against your mortgage as other borrowing options may 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 branch or call us on 0345 850 3705. Our lines are open 8am - 8pm Monday to Friday, and 9am - 4pm 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

    Please note the last day to register for the Eco Home Reward was on 31st August 2022. 

     

    How do I claim the Reward? 

    You have until the 28th February 2023 to claim the reward, using our online form. Once you've submitted your claim, we'll send you an email with a document upload link within three working days. You will need to use this link to upload an invoice for your completed home improvement(s) within 14 days of submitting the claim form. If your payment doesn't arrive for any reason, please contact your Mortgage and Protection Adviser.

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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 that you only use the link to submit your invoice and follow the instructions carefully. You should not send your invoice to us in an email.
    3. To ensure your claim is successful, please upload a PDF copy of your invoice. The document upload link will only work once, so make sure that 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.

    Once your invoice has successfully uploaded, we will aim to pay the cashback to eligible customers within 30 days. 

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    What happens if my home improvements are delayed? 

    If you're unable to complete the work on time for any reasons outside of your control, you should 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 quick and 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 Performace 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 will also show you how much money each improvement could save you and will give you an idea of the benefits for the environment. 

    You can call our dedicated phone line for further independent guidance from Energy Savings Trust once you've received your personalised report. 

    For impartial guidance on improving the energy efficiency of your home, give our free home energy efficiency support line a call on 0808 196 8257. The advisers at Energy Saving Trust will be happy to discuss your personalised action plan and answer any questions you may have. The telephone line is open Monday to Friday 9am to 5pm (except public holidays). 

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    What types of home improvements are eligible for the reward? 

    There is a wide range of eligible home improvements. Find out which home improvements are eligible

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    How do I prove the work is completed? 

    Once you've submitted the Eco Home Reward claim form, we'll ask for details of the improvements you've made. You'll need to upload the invoice for the home improvements you carried out via a document upload link we'll send to your email address. 

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    What if I am not satisfied with the work completed? 

    Lloyds is not responsible for ensuring the quality of the work carried out and you should carry out your own checks to ensure the supplier is suitable. If you find that you are not happy with the work carried out, you should speak to your supplier in the first instance. If the work carried out is covered under a scheme provider you should also contact the appropriate provider. 

    An example of a scheme provider is the Microgeneration Certificate Scheme (MCS) that are the standards and quality assurance organization for renewable heat technologies such as solar thermal, air/ground source heat pumps and biomass boilers. 

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Boiler upgrade scheme

The government is offering up to £6,000 toward the cost of upgrading your boiler to a low carbon heating system. You can also qualify for the Eco Home cashback reward at the same time if eligible. 

Boiler upgrade scheme

How to claim your cashback reward

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

Claim your reward

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.

Eco Home Tool

Ever wondered how energy efficient your home is? Need tips and suggestions on where improvements can be made? Our Eco Home Tool is a great way to work out where you can save money on energy bills and help reduce your carbon footprint.

Eco Home Tool

Home Energy Support Line

For further impartial guidance on improving the energy efficiency of your home, give our free home energy efficiency support line a call on 0808 196 8257.

The advisers at Energy Saving Trust will be happy to discuss your personalised action plan and answer any questions you may have. The telephone line is open Monday to Friday 9am to 5pm (except public holidays). 

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