Buildings Transition Loan

Discounted lending for small to medium sized enterprises (SMEs) acquiring or refinancing energy-efficient properties.​

Why we offer the Buildings Transition Loan​

UK buildings are responsible for up to 25% of the UK’s greenhouse gas emissions and are rated as the least efficient in Europe. A transition to more energy efficient buildings should relieve pressure on energy supply, reduce costs and limit greenhouse gas emissions.​

How it can benefit your business

Discounted finance​

We offer an arrangement fee-free loan.​

Cost savings​

More efficient buildings may result in lower energy costs for tenants and lower operating costs for landlords.​

Higher value​

Buildings with higher EPC ratings may attract higher sale values and an increase in rents.​

Environmental impact​

Efficient buildings can help to improve environmental impact and support the UK’s transition to net zero.​

The types of buildings you can use this loan for

Residential

Commercial

*Subject to eligibility, the loan can be used to acquire or refinance residential and commercial buildings.​

Important Information

Is your business eligible?​

You must meet the following criteria:​

  • ​Available for small to medium sized enterprises (SMEs)​.
  • If the loan is for a single building it must be EPC A or EPC B-rated.
  • If the loan is for multiple buildings, then at least 75% of the loan value must be for EPC A or B-rated buildings. The remainder may be used for minimum EPC C-rated buildings. We will calculate this for you.​
  • MCOB regulated properties are excluded.​

Keep in mind​

  • We will only recognise the portion of the loan associated with EPC A and EPC B rated buildings as sustainable finance, in line with our Sustainable Financing Framework​​.
  • We offer an arrangement fee-free loan.​​
  • In addition to the Buildings Transition Loan, we also offer 0% arrangement fee loans for businesses retrofitting their properties under the Clean Growth Finance Initiative.

Enquire Now

Enquire Now

Existing Lloyds Bank customers: Reach out to your relationship manager

New customers: Call our team on 0800 022 4378

Green Buildings Tool

 

Our Green Buildings Tool enables you to identify, evaluate and understand your property to help make it more sustainable and energy efficient. The tool can be used alongside the arrangement fee-free Clean Growth Financing Initiative loan to retrofit your business’ buildings to be more efficient.​

  • Analyse energy saving initiatives that affect the energy performance certificate (EPC) rating which could reduce CO2 emissions.
  • Reveals initiatives and properties that offer the best return on investment with regards to CO2 reduction.

Green Buildings Tool