4. Borrowing for my improvements

Need to borrow money to pay for your energy-efficient improvements? We offer 2 types of loan that could help.

You could also get up to £500 cashback once the works are complete. 

Your borrowing options

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

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 6.2% APR representative on loans from £7,500 to £15,000. 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 up to £500 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. £250 home energy cashback if you borrow between £5,000 and £9,999. £500 home energy cashback if you borrow £10,000 or more. All loans are subject to status. Terms and conditions apply. Offer ends 31 December 2024. 

Decide which home improvements you want to do and get quotes from our trusted partners.

Once you know the cost for the work, you can apply for an additional loan on your existing Santander mortgage or a personal loan.

When the work’s done, we’ll check if you qualify for the home energy cashback. Terms and conditions below.

We’ll pay your home energy cashback in your Direct Debit account within 10 business days of the supplier telling us the work is complete.

Terms and conditions
 

Eligibility

Here’s how to qualify for a home energy cashback payment:

  • 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
  • set up a Direct Debit to pay for the additional loan or personal loan
  • complete your energy-efficient home improvements through one of our trusted partners shown on our home solutions page
  • have the work done at the property address of your existing Santander mortgage or Santander personal current account.
     

You can get 2 levels of cashback. The amount you’ll get will depend on how much you borrow.

  • £250 home energy cashback if you borrow between £5,000 and £9,999. 
  • £500 home energy cashback if you borrow £10,000 or more.
     

Terms and conditions

  • You can only get 1 home energy cashback payment per household.
  • Geographical restrictions apply for some of the partner services offered.
  • You must have an existing Santander mortgage or personal current account. This must remain active to get the home energy cashback.
  • Cater Allen, cahoot and Business Banking current accounts aren’t eligible.
  • You can apply for the additional loan or personal loan in Online Banking, our Mobile Banking app or by phone.
  • You must have started your additional loan or personal loan application after 7 May 2024.
  • Any work must be finished by 31 May 2025 to qualify for the home energy cashback.
  • Offer can be withdrawn at any time.
  • To be eligible for a cashback payment from MyEnergi you must have applied for borrowing from Santander on or before 17 October 2024.
  • To be eligible for a cashback payment from Vibrant, you must have applied for borrowing from Santander on or before 7 November 2024.
  • To be eligible for a cashback payment from ScottishPower, Octopus, MakeMyHouseGreen or Fusion8, you must apply for borrowing from Santander on or before 31 December 2024.
  • We are not responsible for the compliance with any necessary planning or building regulations for any work completed with the supplier.
  • We're not responsible for making sure the supplier follows the required planning or building rules. You must be satisfied with the work.

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