Energy Efficiency Further Advance mortgage

If you want to improve your property's energy efficiency, you could borrow more on your 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, you must:

  • Tick icon

    Be a buy to let customer with The Mortgage Works

  • Tick icon

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

  • Tick icon

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

  • Tick icon

    Have owned and let the property for at least 6 months

  • Tick icon

    Have made full monthly mortgage payments for at least 6 months

We won't accept if:

  • Cross icon

    You are in the process of switching your mortgage deal

  • Cross icon

    You want the money for business purposes

  • Cross icon

    There are more than 2 people on the mortgage

  • Cross icon

    The property will be rented out to an immediate family member

  • Cross icon

    You have 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

Next steps

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

  1. Check your eligibility

    Check you meet the criteria outlined above and that you plan to use the funds for acceptable energy efficiency improvements.

  2. Choose your mortgage

    Use our buy to let mortgage 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.

  3. Book an appointment

    To apply for a buy to let mortgage with us, you need to speak with one of our buy to let mortgage consultants. Just answer a few brief questions and choose the date and time that suits you. One of the team will personally own your case and keep you informed about your application.

    Book an appointment

Here to help

If you have any questions about our buy to let mortgages, contact us.

If you need advice, speak to your intermediary.


Important:

All buy to let mortgages are subject to underwriting and criteria. Mortgages are secured on your property. You could lose your property if you do not keep up payments on your mortgage.