Sustainability is no longer a niche topic, it’s a growing priority for homeowners and regulators alike. By introducing clients to green incentives, brokers can:

• Differentiate their service proposition
• Support clients in reducing long-term energy costs
• Position yourself as a forward-thinking adviser in a changing market

One recent success story came from a broker whose client installed solar panels and received cashback through the Green Living Reward. This is a great example of how having a conversation and truly understanding your customer’s intention to future-proof their property can deliver tangible benefits – for both the customer and the planet.”

The Green Living Reward offers cashback of up to £2,000 for eligible home improvements, including:

• £2,000 for installing a heat pump
• £1,000 for solar panels or a battery
• £500 for other improvements such as insulation or A-rated glazing

Customers also receive a free Energy Performance Certificate (EPC) after their claim, giving them a clear view of their home’s efficiency and recommendations for further improvements.

To qualify, customers need to:

1. Apply for a new Halifax mortgage, additional borrowing, or be switching to a new deal, after 31 July 2024
2. Have a Halifax or Bank of Scotland current account.
3. Complete an eligible home improvement within one year of completing your Halifax mortgage, additional borrowing or new deal.

As you know, energy efficiency is important to us at Halifax Intermediaries. In fact, so much so, that it is now one of our core values. We all need to reduce the environmental impact of our homes if we’re to reach the government’s ‘net zero by 2050’ target, as our homes currently account for around 22% of the UK’s carbon emissions.* Source: Energy Saving Trust, 2024

Progress is being made — 52% of homes in England now meet EPC Band C or above, up from just 12% in 2010, but millions still fall short of this standard. The government’s aspiration is for as many homes as possible to reach Band C by 2035, with all fuel-poor homes achieving this by 2030. [Energy eff…ns Library]

This is where brokers can play a pivotal role — by helping clients access funding and incentives to make their homes greener.

As energy efficiency becomes a key consideration in property ownership, initiatives like the Green Living Reward will play an increasingly important role. For brokers, this is an opportunity to lead the conversation and position themselves as trusted advisers in a changing market.

If you’d like to learn more about how our green mortgage incentives can support your clients, speak to your BDM or visit our website: Halifax Intermediaries Sustainability

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The information contained in this article is the property of Lloyds Banking Group plc and may not be reused or publicised without our prior permission. The information provided is intended to be for information only and is not intended to be relied upon. This information is correct as of October 2025 and is relevant to Halifax products and services only. If you do not have professional experience, you should not rely on the information contained in this communication. If you are a professional and you reproduce any part of the information contained in this communication, to be used with or to advise private clients, you must ensure it conforms to the Financial Conduct Authority’s advising and selling rules.

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