Energy Efficiency Further Advance mortgage

If your client wants to improve their property's energy efficiency, they could borrow more on their existing mortgage with our Energy Efficiency Further Advance.

Interest rates

There's a lower initial interest rate compared to our standard further advance range.

Product fees

There are no product fees to pay with these mortgages.

Borrowing amounts

Borrow from £2,500 up to £15,000, with lending available up to 75% loan to value.

Eligibility

To be eligible, your client must:

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    Be a buy to let customer with The Mortgage Works

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    Use 100% of the additional borrowing for eligible energy‑efficient improvements, as we may carry out checks to confirm the work is completed

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    Meet our standard further advance mortgage eligibility, in addition to these requirements

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    Have owned and let the property for at least 6 months

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    Have made full monthly mortgage payments for at least 6 months

We won't accept if:

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    Your client is in the process of switching their mortgage deal

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    Your client wants the money for business purposes

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    There are more than 2 people on the mortgage

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    The property will be rented out to an immediate family member

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    Your client has been in arrears during the last 12 months

Acceptable energy efficiency improvements

  • Tick icon Solar panels
  • Tick icon Traditional insulation
  • Tick icon Air or ground source heat pumps
  • Tick icon Cavity wall or loft insulation
  • Tick icon Investment in harvesting rain water
  • Tick icon Replacement windows
  • Tick icon Upgrading of existing utilities
  • Tick icon Pipes and boiler insulation
  • Tick icon Boiler upgrade
  • Tick icon Small scale wind turbines
  • Tick icon Electric car charging stations

How to apply

Follow these simple steps to apply for an Energy Efficiency Further Advance for your client.

  1. Choose a product for your client

    Use our product finder to explore our Energy Efficiency Further Advance options. We offer a range of 2 and 5 year products with up to 75% loan to value.

  2. Complete an application

    Submit a Full Mortgage Application via TMW Online. There's no DIP produced as the decision is made after the application is received and assessed, including a valuation and credit search.

  3. Offer and validity

    If approved, an offer will be made. Further advance offers are valid for six months from the date of the first offer.

Supporting documents

Supporting landlords

We’re proactively contacting selected landlords with properties rated below EPC C to raise awareness of upcoming Minimum Energy Efficiency Standard changes, expected from 2030, which will require improvements to rental properties.

 

To support these selected landlords, we’re offering a free property assessment from Eco Approach. This will identify the most effective improvements and connect landlords with suppliers, helping them prepare early and with confidence.

Got a question?

Our expert team are ready to help face-to-face, online and on the phone.


Product finder

Find an Energy Efficiency Further Advance product to support your clients with eligible improvements.

Find a product

Find out more about EPCs

See how EPC ratings work and the improvements we may consider for Energy Efficiency Further Advances.

View EPC guidance

Further advances

If your client wants to borrow more for other purposes, visit the further advances page to check eligibility.

See our further advance page