Step 1: Submit the application
Submit the properties current EPC as part of the mortgage application.
Step 2: Make the home improvements
After completion, the borrower makes energy efficiency improvements to the property within 12 months of the completion date.
Step 3: Get a new EPC
The borrower pays for a new Energy Performance Assessment (EPA) to be undertaken. This will provide a new EPC which determines how many SAP points the borrower has after making the energy efficiency improvements.
Step 4: Send us the EPC
The borrower emails or posts the new EPC to us. This needs to be received within 12 months of the mortgage completion date.
Step 5: Cashback paid!
We verify the increase of 10 SAP points. £1,000 cashback is paid into the borrower's bank account. The borrower's mortgage account must be up to date, with no missed payments