Access to secure and quality housing is becoming increasingly challenging. We’re uniquely placed to enact change and want to explore the opportunities to increase access to the benefits of home ownership, including through shared ownership, supporting a quality rental and social housing sector, taking the building of housing that supports inclusive communities further, and increasing the availability of specialist housing.

We have supported more than £12 billion in funding to first time buyers in 2023.

Social housing is an integral part of the UK’s housing landscape with millions of people benefiting from stable and genuinely affordable homes. In 2023, we supported £2.7 billion of new funding to the social housing sector.

Our contribution to the housing market

funding to first time buyers in 2023

of mortgage lending for EPC A and B rated properties by 2024

funding provided to the social housing sector since 2018


Championing social housing

Social housing is an integral part of the UK’s housing landscape with millions of people benefiting from stable and genuinely affordable homes. 

Lloyds Banking Group is the biggest supporter of social housing in the UK. We currently work with over 340 housing associations of all sizes.

Despite the construction of around 40,000 homes in 2021, there is still a chronic shortage of social housing in the UK. This is why we are committed to working with housebuilders to expand the availability of quality social housing across the UK. 

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Providing sustainable homes

UK homes currently account for 23% of the country’s total carbon emissions and 35% of energy use. At least 19m of the UK’s 29m homes still need to become low carbon, more energy efficient and more resilient to a changing climate. 

We’re helping homeowners understand the impact their home has on the environment and we’re educating, encouraging and rewarding them to take action to improve it. 


Making homes greener

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.

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Working with the housing industry, we’re providing green financing and sustainable investment products to clients across both private housebuilding and social housing sectors to help them on their journey to net zero. 

Beyond investment products, we’re helping to shape national sustainability standards for housebuilding finance through our membership of the NextGeneration Executive Committee.

By supporting our customers to improve the energy efficiency of their homes, we’re able to make a big impact on reducing overall UK emissions on our path to net zero. 


The Housebuilding Sustainability Finance Framework

Our new Framework sets out how the Group will support housebuilders to access finance to build more sustainable homes.

More about the Framework

Our latest insights

As longstanding supporters of the social housing sector, our experts have unique insights into the challenges and opportunities the sector is facing.

Other content you might be interested in

Our partnership with Crisis

We have partnered with Crisis, a UK national charity for people experiencing homelessness. 

Together, we're calling for the UK to build 1 million more homes for social rent by 2030. 

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two men fitting windows

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

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.

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