Need to borrow money to pay for your energy-efficient improvements? We offer 2 types of loan that could help. You could also get £1000 cashback once the works are complete.
Additional loan
If you’ve already got a Santander mortgage, you might be able to take out an additional loan. The loan is secured against your home.
Personal loan
If you’d like to borrow money to improve the energy efficiency of your home, you could apply for a personal loan. The loan is not secured against your home. Rates from 6.0% APR representative on loans from £7,500 to £25,000. Credit subject to status.
Only borrow what you need and can comfortably afford to repay. Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage. Applications are subject to status and lending criteria.
Get £1000 cashback on your energy efficient improvements
You could get cashback if you borrow from us to make energy efficient home improvements using one of our trusted partners. Offer available to our mortgage and personal current account customers only. Minimum borrowing of £5000 applies. All loans are subject to status. T&Cs apply. Offer can be withdrawn at any time.
Greener homes cashback terms and conditions
Eligibility
Here’s how to qualify for the £1,000 greener homes cashback:
- be an existing Santander mortgage or personal current account customer
- get an additional loan on your mortgage or a personal loan from us to pay for the work. Minimum borrowing of £5,000 applies
- set up a Direct Debit to pay for the additional loan or personal loan
- complete your eligible energy efficient home improvement* through one of our trusted partners shown on our Find Solutions page
- have the work done at the property address of your existing Santander mortgage or Santander personal current account.
Terms and conditions
- You can only get 1 greener homes cashback payment per household.
- Geographical restrictions apply for some of the partner services offered.
- You must have an existing Santander UK mortgage or Santander UK personal current account. This must remain active to get the greener homes cashback.
- Cater Allen, cahoot and Business Banking current accounts aren’t eligible.
- You can apply an additional loan on your mortgage in Online Banking, our Mobile Banking app or by phone.
- You can apply for a personal loan on our website, in Online Banking, our Mobile Banking app or by phone.
- You must have borrowed at least £5,000 to qualify.
- You must have started your additional loan or personal loan application after 14 February 2025.
- Any work must be finished by 30 September 2025 to qualify for the greener homes cashback.
- Offer can be withdrawn at any time.
- Santander are not responsible for the compliance with any necessary planning or building regulations for any work completed with the supplier.
- Santander are not responsible for making sure the supplier follows the required planning or building rules. You must be satisfied with the work.
| *Eligible energy efficient home improvements | Santander trusted partners available* |
| Solar panels and battery | ScottishPower Octopus Energy Fusion8 MakeMyHouseGreen |
| Air source heat pump | ScottishPower |
| Any other energy efficient improvements available through our trusted partners** | Vibrant Energy Matters |
**Offer excludes spray foam insulation and EV chargers