When and how often is a Sustainable Home Reward payable?

If our requirements are met, a Sustainable Home Reward is payable when: a new mortgage is provided (including when a further new mortgage is provided for the same home as an existing mortgage), and/or the current mortgage product ends and we provide a new one The Sustainable Home Reward isn’t payable at any other time. It also isn’t payable if it was paid within the previous 3 years, on the same mortgage or another mortgage in connection with the same home. Example: We provide Jane with a new mortgage and pay her a Sustainable Home Reward. Two years after that, the original product ends and she chooses a new one. In that case, we won't pay her a Sustainable Home Reward, but a further two years after that, she chooses another new product when the previous one ends. Because it's now four years since her last Sustainable Home Reward, she'll be eligible for another (assuming all other requirements are met).

What if there’s more than one mortgage in connection with the same home?

The amount of the Sustainable Home Reward will be based on the total outstanding amount of all mortgages you have with us on the same home.

What if I have more than one home?

A Sustainable Home Reward may be payable for each home.

What if my mortgage is moved to a new home?

Moving the mortgage to a new home isn’t a trigger for payment of a Sustainable Home Reward. However, when this product ends and a new product is then applied (or when we provide a new mortgage in connection with your new home) a Sustainable Home Reward may be payable in respect of your new home.

When should you give the EPC to your branch and does it need to be valid on a certain date?

For a new mortgage , you must provide the EPC no later than the day before the mortgage completes , and it must be valid on the day the mortgage completes . For an existing mortgage , you need to give the EPC no later than the day before the current product ends , and it must be valid on the first day a new product is applied to the mortgage .

Mother and young son smiling and hugging

Sustainable Home Reward

Up to £1,000 for energy efficient properties

Rewarding your sustainable choices

Deciding on an energy efficient home is not only good for the environment, it could be good for your bank balance too. We’re supporting our customers who make more sustainable choices by giving you up to £1000, when your home has an EPC rating of A or B. If your mortgage is eligible, you could look forward to a little extra money, as a reward for investing in improvements like solar panels or heat pumps.

"We encourage lenders to make sustainability a core feature of the mainstream mortgage journey.

Handelsbanken’s Sustainable Home Reward is a strong example of this thinking in action"

Green Finance Institute, 2025

How does it work?

We'll pay you a Sustainable Home Reward at the start of your new mortgage, on additional borrowing or when switching to a new product, if:

the mortgage product is eligible;
you give us the most recent Energy Performance Certificate (EPC) for your home confirming an A or B rating;
the EPC is valid when we provide a new mortgage product;
we’ve not paid a Sustainable Home Reward for the same home in the previous 3 years; and
there are no missed payments on any mortgage that’s connected to your home.

Is my mortgage eligible?

Our Sustainable Home Reward is available on, single part residential mortgages that are either fixed rate or track the Bank of England base rate.

To understand more about these terms, please visit handelsbanken.co.uk/jargonbuster.

We’ll tell you if the product you’re applying for is eligible for the Sustainable Home Reward, either before we provide a new mortgage or before you select a new product for an existing mortgage.

How much is a Sustainable Home Reward?

This depends on the total outstanding amount of the mortgages we provide in connection with your home, at the time a Sustainable Home Reward is payable.

Total outstanding amount:

£250,000 or more

Sustainable Home Reward:

£1,000
Total outstanding amount:

Less than £250,000

Sustainable Home Reward:

£500

Important information

Your home may be repossessed if you do not keep up repayments on your mortgage.

Supporting you with your sustainable choices

There’s lots of support we can offer our customers, whether you want to improve your EPC rating or understand the options and benefits of retrofitting.

Our Sustainable Finance Specialist team

Direct access to experts who can guide you through how to finance your sustainability plans, whether they're big or small. Speak to your account manager to arrange a meeting with the team at a place and time that suits you.

You’ll also find a wealth of information in our sustainability area to help you feel more informed about making changes that could make a real difference to your energy costs.

Useful tools

Snugg - The simple and affordable way to make your home energy efficient. Click the logo to start your personalised plan.

Which? is the UK's consumer champion. Click the logo above to access Which?'s Energy Hub, where you can read their expert guidance on how to make your home more energy efficient, reduce your bills and your carbon footprint.

Your questions answered

If you have any other queries we’ve not covered here, your private banking manager will be able to help.

If our requirements are met, a Sustainable Home Reward is payable when:
- a new mortgage is provided (including when a further new mortgage is provided for the same home as an existing mortgage), and/or
- the current mortgage product ends and we provide a new one
The Sustainable Home Reward isn’t payable at any other time. It also isn’t payable if it was paid within the previous 3 years, on the same mortgage or another mortgage in connection with the same home.

Example: We provide Jane with a new mortgage and pay her a Sustainable Home Reward. Two years after that, the original product ends and she chooses a new one. In that case, we won't pay her a Sustainable Home Reward, but a further two years after that, she chooses another new product when the previous one ends. Because it's now four years since her last Sustainable Home Reward, she'll be eligible for another (assuming all other requirements are met).
The amount of the Sustainable Home Reward will be based on the total outstanding amount of all mortgages you have with us on the same home.
A Sustainable Home Reward may be payable for each home.
Moving the mortgage to a new home isn’t a trigger for payment of a Sustainable Home Reward.

However, when this product ends and a new product is then applied (or when we provide a new mortgage in connection with your new home) a Sustainable Home Reward may be payable in respect of your new home.
For a new mortgage, you must provide the EPC no later than the day before the mortgage completes, and it must be valid on the day the mortgage completes.

For an existing mortgage, you need to give the EPC no later than the day before the current product ends, and it must be valid on the first day a new product is applied to the mortgage.

Please remember, we can make changes to the Sustainable Home Reward or withdraw it at any time. It will never be a primary consideration if we give you mortgage advice.

Want to know more?

For more information on how to qualify for a Sustainable Home Reward, speak to your branch.

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