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Green additional borrowing

Looking to make improvements to your home to help reduce energy consumption?
If you have a mortgage with us, you can get an additional loan to help cover the costs.

With a green additional borrowing loan, you can get:

  • No fee

  • A 2 or 5 year fixed term

  • 60 to 85% loan to value (LTV).

  • With a green additional borrowing loan, you can:

View our energy efficient additional borrowing products (PDF)

Examples of green home improvements
Use the Energy Saving Home Improvement Tool
Borrowing options

Examples of green home improvements

Here is a list of examples of green home improvements that are allowed when applying for green additional borrowing.

Heating

  • Air source heat pump
  • Ground source heat pump
  • Biomass pellet boiler
  • Solar thermal heating

Solar and Windows

  • Battery for solar storage
  • Solar panels (Photovoltaics)
  • A-rated double/triple glazing (where replacing single glazing)
  • Secondary glazing

Insulation

  • 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

Use the Energy Saving Home Improvement Tool

The tool is powered by Energy Saving Trust and creates a free, personalised Energy Saving Improvement Plan.

All you need to do is answer a few questions about your property and budget - the more information you have ready, the quicker this will be. The tool will automatically suggest answers for you, based on what we know about the area you live in. There’s also plenty of guidance provided for each question, in case you need it.

The tool will then:

  • estimate your property’s current energy efficiency and costs
  • give options for updates and renovations.

Want to get started?

You’ll just need to get a few things ready before you start building your plan and considering ways to reduce your energy bills.

Explore the tool

Borrowing options

There are a range of borrowing options available, for whatever you’re looking to help fund.

Mortgages

We have a range of mortgage products, so you can find the right fit for you – whether you’re thinking of applying for your first mortgage, or switching to us.

Explore mortgages

Loans

Learn more about loans and discover our alternative borrowing options.

Learn about loans

Credit cards

We have a range of credit cards available to suit your needs. They offer you a way to make flexible payments, all with the UK’s original ethical bank.

Explore credit cards

The Co-operative Bank reserves the right to decline any application.

Whether we can offer you credit depends on your circumstances and our lending policy. We may decline your application based on your circumstances or our lending policy. We may be able to offer a product that's different to the one advertised.

Smile, The Co-operative Bank and Britannia are trading names of The Co-operative Bank plc, which is a member of the Financial Services Compensation Scheme (FSCS).

Find out more about Financial Services Compensation Scheme | This will open in a new tab

Financial Services Compensation Scheme

Your eligible deposits held by a UK establishment of The Co-operative Bank p.l.c. are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK's deposit guarantee scheme. This limit is applied to the total of any deposits you have with The Co-operative Bank and smile. Any total deposits you hold above the limit between these brands are unlikely to be covered.

Please read further information on the FSCS scheme here or visit their website.

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