Improving the energy efficiency of Britain’s homes.



The UK has the oldest houses in the world, with our 29 million homes accounting for 16% of the UK’s total carbon dioxide emissions.

While many people are concerned about their home’s carbon footprint and cost of high energy use, often they don’t know where to begin as they look to make their homes fit for a low-carbon future.

That’s why we have launched our Making Homes Greener hub – a source of information and guidance on how we can improve the energy efficiency of the UK’s housing stock and help to meet the Government’s urgent target of net zero by 2050.

How we’re supporting customers to improve the energy efficiency of their homes

Our Making Homes Greener journey will see us trial new tools and collaborations to improve the energy efficiency of Britain’s homes. The work we’ve done so far includes:

  • Teaming up with industry leaders, such as Energy Saving Trust and Octopus Energy, to help make homes greener for less 
  • Introducing our Green Reward initiative, rewarding customers with cashback for approved energy improvement measures
  • Capturing Energy Performance Certificates during mortgage applications, to increase awareness about energy use and encourage energy-saving conversations between customers and advisors

Decarbonising the UK’s homes: A housing stocktake, 2023

23 November 2023 | Lloyds Banking Group

Our new research focuses on the key barriers to decarbonisation, the incentives needed to drive progress and contains insight from people who have retrofitted their homes.

Read full report (PDF 4MB)

LinkedIn Live with Energy Saving Trust

Video | 4 mins 15 secs

On the 28 September we brought together Stew Horn, Head of Policy at Energy Saving Trust, and Andrew Asaam, Homes Director at Lloyds Banking Group on LinkedIn Live to discuss how can we make the UK’s homes more energy efficient.

Their conversation (facilitated by Amy Brown, Sustainability Product Manager at Lloyds Banking Group) explored key questions, including:

  • Why do we need to make the UK’s homes greener?
  • What can people do to make their homes more energy efficient?
  • What barriers do people face when making these improvements?
  • What can we do as an industry to help?

Watch the key takeaways here, or you can watch the full conversation over on LinkedIn

Watch video


Over half of homeowners are concerned about the cost of energy bills


Two in five would only buy a property if it needed no energy efficiency improvements


4 in 10 homeowners have no idea how energy efficient their property is



Over a third don’t know where to find information about improving the energy efficiency of their property 



How can we make the UK’s homes more sustainable?

18 September 2023 | Andrew Asaam

Making the UK's housing stock more sustainable is crucial if we're going to achieve net zero by 2050.

Read Andrew's article


How we’re helping homeowners and landlords improve the energy efficiency of their homes

As the UK’s biggest mortgage lender, we have helped millions of people become homeowners, and we know we also have a crucial role to play in supporting our customers improve the energy efficiency of their homes.

From being a source of information, to developing solutions to give customers more control, find out how we’re supporting customers with this journey. 

Supporting homeowners


Supporting housebuilders to build energy efficient homes that are fit for the future

As one of the largest funders of the UK housebuilding sector, we are committed to expanding the availability of safe, affordable and sustainable housing.

From supporting housebuilders and developers to housing associations, find out more about what we’re doing here.

Supporting housebuilders

Helping to create accessible and energy efficient social housing 

We’re committed to playing our part in making the UK a place where everyone has access to affordable, quality, and sustainable homes in places they want to live. Social housing is an integral part of that landscape with millions of people benefiting from stable and genuinely affordable homes.

Find out more about what we’re doing to support  energy efficient  social housing


Our policy asks

Not only will improving the energy efficiency of Britain’s homes play a key role in lowering energy bills; it is also essential for the UK to meet its target of becoming net zero by 2050.

Achieving a sustainable future requires collective and immediate action from us all. That’s why we are calling on the Government to deliver a five-point plan to address the challenge of decarbonising the UK’s homes and making them more energy efficient. 


Two in three believe the Government has an obligation to help people make properties more energy efficient



Over 6 in 10 believe government regulation is required to make properties more energy efficient


Why housing is key on the path to net zero

18 September 2023 | Becky Heaton

How can greener homes improve our quality of life while still cutting down on the UK’s carbon emissions?

Read Becky's article


Lloyds Banking Group Sustainability Pioneers

How can we play a role in helping the UK create secure, efficient housing that future generations can live in and love? This is a question we can’t answer without trialling and employing new products, partnerships, and solutions. 

That’s why we’ve launched our Sustainability Pioneers employee initiative - putting our colleagues at the forefront of the journey to energy efficiency, by testing a range of smart technologies and solutions. 

Our people are catalysts within the communities they serve, and we’ll be following their journeys as they install heat pumps to make their homes more energy efficient, and will learn how we can better support colleagues and customers with accessing low carbon sources of energy and heating. 

More on green homes