The government has opened a £5m fund to help the financial sector develop green home finance products like green mortgages, rewarding customers for energy efficiency.


Green mortgages give customers discounted mortgage rates once they have upgraded the energy rating of their home.


Chris Skidmore, energy and clean growth minister, said: “To fulfil our world-leading commitment to reach net zero emissions by 2050, we need an overhaul of our housing stock to tackle the disproportionate amount of carbon emissions from buildings.


“By rolling out more green mortgages and reducing the costs of retrofitting older homes we’re encouraging homeowners to improve the efficiency of their homes and save money on their energy bills, helping to ensure everyone has access to a warm and comfortable home."


Through the government’s Green Finance Strategy, it has also announced it would offer industry the chance to win a share of a £10m innovation fund if companies design innovative ways of reducing the cost of retrofitting the UK’s old housing stock. This could include assembling parts of buildings like pre-fabricated roofs or facades off-site and quickly fitting them to homes, minimising disruption for homeowners.


Help required?


If you would like to make your home more energy efficient, check on this site to see what you may be entitled to. Some actions can be installed free if you are claiming certain benefits. Or if you would like to speak to an adviser just make contact and we will be happy to assist.

Summer is over and no doubt your heating has been switched on. Now we will all see our energy bills rise and if the experts are correct this could be a record year for increases. So, time to act?

There are plenty of actions you can take to ensure your home is more energy efficient, for starters just stop the drafts. Then have a look at the insulation in the loft and ask yourself is it doing the job it should do? If not change it, it’s really not that expensive and will save you a fortune each year.

Next have a look at what is on offer from your energy supplier.

Energy suppliers giveaway

1) The big energy suppliers are giving subsidies or even free to those receiving certain benefits heat saving measures from new boilers to insulation. This situation is due to efficiency obligations to people in certain groups. Were you aware of this?

2) Boilers are one of the biggest contributors to your energy bills and this looks set to increase very soon – the more efficient your boiler, the more heat it produces from each unit. Depending on its age, a shiny new efficient one could save you between £200 and £400 a year.

3) Cavity wall insulation can slice between £160 and £400 off energy bills every year according to the Energy Saving Trust.

4) If your loft isn't insulated and you get it fitted with 270mm of new insulation, this'll save another £220-£440 a year. 

You could qualify for freebies if you get tax credits or income-based benefits, such as pension credit or income support. To uncover these benefits and offers, complete the questions on this site and unlock the savings if you qualify. Why not save money?

Can we help?

If you would like to know more, firstly check out on-site what you could be entitled to. If you would like to speak to a consultant please make contact and we will be happy to assist. 

If you need any more persuasion to take energy seriously when selecting your home, there’s a possibility in the near future that mortgage providers could be open to lending people more to buy energy efficient properties.

Lenders research, alongside a number of partners including Nationwide and the Halifax, conclusively proved the link between better energy performance and higher disposable income – income that raises the opportunity for a larger loan.



The findings are being taken seriously by the mortgage industry, so it’s definitely something to watch out for in the near future.


There are so many good reasons to make your new or existing property as energy efficient as possible. It really doesn’t have to cost huge amounts of money as there are very cheap and effective ways of keeping your home warmer on those long winter days. If you just take a few measures you will instantly see a reduction in your heating bills and surely this has to be beneficial. Energy providers are already warning us that prices are going to increase significantly this winter. 


Are you aware some measures could be installed free if you receive certain benefits?

Loft insulation the most popular easy fix.

Loft insulation works by creating a barrier to the hot air which is rising from the lower levels of your home. We all know that hot air rises and therefore will easily escape through your loft and roof if it is not properly insulated. The air pockets in the insulation trap the heat and stop it escaping into the atmosphere thus keeping the house much warmer. With the correct insulation installed you will find your home will be cooler in the summer and much warmer in the winter.

Can we help?

If you would like advice on how to improve your homes energy efficiency do make contact and one of our advisers will be pleased to assist.

We all know winter is fast approaching and our energy bills will once again be increasing at alarming rates. This situation is not helped with the Brexit talks stalling and energy companies being uncertain of the consequences of any deal secured. So, the smart homeowner will without doubt be looking at ways of saving money and cavity wall insulation is most certainly one.

Cavity wall installers around the country are reporting record high enquiries and in the North a record number of installations.

This form of insulation is a filling blown into the gap between your interior and exterior walls. It helps save heat loss through your walls and therefore saves you money on your energy bills.

Without cavity insulation every home around the country could well be wasting more than £400 every year. Cavity insulation will keep your home warmer in the winter and much cooler in the summer, so it really is a win win situation. You will also be reducing your carbon footprint considerably which is all helping towards a cleaner environment.

Installing this type of insulation is very quick and simple and will normally only take a day to complete.

Are you aware in certain circumstances this could all be done for no charge?

Many people around the country are missing out on energy saving benefits companies are offering. It is well worth your time to check and see what is available to you and your family, can you afford to waste money?

Need some help?

It is easy to find out if you qualify for a grant or even free installation select your requirement and just click the “see if I qualify” or “apply now”. This action could save you a great deal of money over the long term. 

Getting colder

In Britain, people typically switch their central heating on in October and use it daily until March or April. This coincides with the clocks going back, the drop in temperature and Winter Fuel Payments – to anyone who receives the state pension.

Heating homes accounts for over 70% of household energy consumption. So reducing this figure – while keeping homes warm enough – not only cuts energy bills, but helps meet the carbon reduction commitments that the UK government is legally required to deliver.

The most recent figures show that 2.38m households in the UK are in fuel poverty – which basically means that almost 11% of British homes cannot afford to keep warm. But while the scale of this problem is significant, not all the solutions need to be complex and costly. So here are a few tips for keeping your home warm for little or no extra cost.

Maximise your insulation

When it comes to heat, around 25% is lost through the roof. This can be easily reduced by installing 25cm of insulation throughout your loft. It’s also worth seeing what’s going on in your walls, as around a third of the heat in an uninsulated home is lost this way. Although it’s not as cheap to install as loft insulation, cavity wall insulation could save up to £160 a year in heating bills. It’s also worth checking with your energy supplier to see if they have any insulation schemes running – which can sometimes mean cheap or free installation.

Install thermostatic radiator valves

Research has shown that installing heating controls and thermostatic radiator valves results in energy savings of 40% compared to a house with no controls. These work by allowing you to programme your heating to come on at predefined times – so you only use energy when you need it. New smart thermostats can also be controlled remotely via your mobile, so you can turn on your heating on the way home, ensuring it’s nice and toasty when you arrive.

Need some help?

If you would like to reduce your energy bills please do make contact, we have a team of advisers just waiting to help.