Do you have an eKo Cashback Mortgage? We’ve put together some FAQ's to provide the answers to any questions you have.
In that case, you’ll need to have a new EPC assessment undertaken to determine the home’s current energy performance rating. For properties in England, Wales and Northern Ireland, you can find an assessor by visiting www.epcregister.com or www.localsurveyorsdirect.co.uk. For properties in Scotland, please visit www.scottishepcregister.org.uk.
You will need to have a new EPC assessment undertaken to determine the home’s current energy performance rating. For properties in England, Wales and Northern Ireland, you can find an assessor by visiting www.epcregister.com or www.localsurveyorsdirect.co.uk.
For properties in Scotland, please visit www.scottishepcregister.org.uk.
The cost for an EPC assessment can vary depending on who the assessment company is and which area you live in. For properties in England, Wales and Northern Ireland, if you visit www.epcregister.com or www.localsurveyorsdirect.co.uk you’ll be able to find an assessor. For properties in Scotland, please visit www.scottishepcregister.org.uk. When you contact your chosen assessor they will give you a cost.
We’ll need to see what your EPC rating is before and after you make any home improvements that improve your energy efficiency SAP points so that we can verify that you have achieved an increase of 10 points. For example, if the SAP points shown on your EPC are 55 before you make any home improvements and your new EPC shows that they have increased to 65 after the improvements we will be able to verify that you have increased your SAP points by the required amount.
If you plan to purchase solar panels outright and your property is freehold, you do not need to request consent from us. However, if you would like to enter into a lease agreement with a solar panel firm you must request consent. Before we can give you consent to proceed, we will need confirmation that your request meets several requirements including, but not limited to, that your property is freehold and that the installation firm you plan to use is accredited by the Microgeneration Certification Scheme (MCS).
Yes. We will need you to instruct a solicitor (following completion and at your own expense) who is willing to act on behalf of you and Kensington. The solicitor will need to review the lease agreement and confirm that our minimum requirements for consent have been met.
In this case, we would recommend you talk to your broker as another Kensington mortgage may be more suitable for you.
Yes, you have 12 months from the date of your mortgage completion to make any home improvements and send a new EPC to us.
We ask that you allow 28 days for us to verify your SAP points increase.
We’ll write to you to let you know the outcome of the review of your new EPC and SAP points.
We’ll pay the £1,000 cashback into the bank account your active Direct Debit is collected from within 5-10 working days.
To be eligible for your cashback, you must make your claim within 12 months of completion and your mortgage account will need to be up to date, with all monthly payments having been made on time and in full. You will also need to have an active Direct Debit in place.
If we are unable to verify your SAP points increase we will write to you and let you know the reason why.
If you are still within 12 months of the completion date of your mortgage, you can make another application.