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Partnership Publications
Home Purchase and Finance Group
This section contains publications relating to the Home Purchase and Finance Group, including Energy Performance Certificates. Please note that this group no longer exists.
The UK market for green mortgages
30.May.2008
The Partnership’s Home Purchase and Finance Group has published the first market review of green mortgages (home loans that offer favourable rates for energy efficiency improvements). The group commissioned a survey of 40 leading lenders to find find out what is currently available and assess the future prospects for these products.
 The UK market for green mortgages
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What is a Green Mortgage?
03.Apr.2007
Recent weeks have seen several lenders launch green mortgages, which help customers to access finance for sustainable energy improvements to their property. This follows an announcement from the Chancellor in the budget encouraging the finance industry to open up new markets by creating special green mortgages and loans to help finance improvements in the energy rating of their customers' homes
The Partnership’s Home Purchase and Finance Group, who have taken a leading role in supporting the development of this market, are encouraging mortgage lenders to ensure that any new products fit with the definition the group have agreed of a green mortgage.
The EEPH document “What is a green mortgage” particularly emphasises that:
Green mortgage products must incentivise the householder to buy or to work towards a high energy performing home (i.e. a mortgage that offsets the home’s carbon emissions through a carbon offset scheme doesn’t count).
The mortgage or loan must have a competitive rate (i.e. it can’t be an expensive product launched as a Public Relations “green wash” exercise).
The Secretariat of the EEPH have published a report which puts together discussions from the seminar in November which brought together most of the mortgage industry. It also includes extensive wider information of use to lenders who are thinking of developing these products.
To view the report click here.
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Energy Performance Certificate Supply Chain Research
17.Jul.2006
This research was carried out by Continental Research on behalf of the Partnership's Home Purchase and Finance Group. The research looked at consumer attitudes to participants in the home purchase supply chain, and the influence and credibility of each on the consumer, the key messages that would influence the supply chain and how they should best be delivered, and the levels of awareness and understanding about the EPC, the Home Condition Report and the Home Information Pack within the supply chain.
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Energy Performance Certificate - final design
14.Jun.2006
Following the consultation which took place last year on the Energy Performance Certificate, the Energy Performance Certificate steering group have finalised the design and content of the certificate.For further details click here.
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Letter to ODPM from the Home Purchase and Finance Group Regarding Home Information Packs
14.Nov.2005
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Home Energy Report Seminar
15.Sep.2005
Energy Performance Certificates within Home Information Packs will become a mandatory part of the home selling process from 2007. The Partnership held a seminar on 15th September 2005 looking at how EPCs could be used to promote energy efficiency improvements by relevant players in the home purchase supply chain. The seminar aimed to develop a common understanding of the home purchase supply chain, particularly the key points of influence on the consumer before, during and after sale, and inform the development of a strategy for communicating messages about the EPC to key influencers in the supply chain. The seminar was attended by a variety of organisations including surveyors, mortgage lenders, estate agents, energy rating organisations, government, and representatives from the architecture and construction industries. The attached report provides a summary of the seminar.
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Making Mortgages Energy Efficient? Scoping research into the accreditation of financial products that promote sustainable energy use
29.Jul.2005
This report was prepared by CSE on behalf of the Financial Products Sub Group of the Partnership Home Purchase and Finance Group. It looks at whether financial products, particularly mortgages, could help to stimulate energy efficiency improvements. It also takes into account the forthcoming introduction of the home energy performance report as a mandatory element of the Home Condition Report.
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Home Energy Labelling Report
01.Apr.2004
This report was prepared by Impetus Consulting for the Home Purchase and Finance Group. The report summarises the results of a workshop held in March 2004 which looked at the development of the home energy label.
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