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How to make your home energy efficient

An energy efficient home is not only good for the planet, it can also lower your bills and save you money.

Benefits of an energy efficient home

Making your home more energy efficient can:  

  • save you money on your energy bills

  • lower your carbon footprint

  • help create a comfortable indoor living environment by reducing heat loss

  • potentially increase the value of your home1

How energy efficient is your home?

Energy Performance Certificates (EPCs) rate a property’s energy performance from A (most efficient) to G (least efficient). The average EPC rating for a home in the UK is D. 

The higher the rating, the lower your energy bills are likely to be.

You can find out if your home has a valid EPC on the government register and download it for free. It also provides recommendations on how you can improve your home’s rating.

Ways to make your home more energy efficient

There are many ways you can save energy – from turning down the thermostat to washing your clothes at a lower temperature. But as well as changing your habits, you can also make changes to your home to make it more energy efficient. 

Switch to energy efficient products

From kettles to washing machines, more and more household products and appliances are becoming energy efficient. According to the Energy Saving Trust, using such products can be a great way to save money on your energy bills. 

Even simple changes can add up. For example, fitting a low energy light bulb instead of a traditional one can save you £5 a year for every bulb you replace.2  

Reduce heat loss in your home

Over half the money spent on energy bills, in a typical household, goes towards heating and hot water. But in many homes, heat is lost through the walls (35%) and roof (25%) as well as windows, doors and the floor (40%), contributing to higher energy bills.  

You can reduce this heat loss by:

  • draft proofing any unwanted gaps in your windows, doors or chimney

  • insulating your home, such as your roof, loft, ground floor and walls

  • double or triple glazing your windows

  • insulating hot water tanks and pipes

The less heat you lose, the less it’ll cost to keep your home nice and warm. For example, insulating your loft could save you £395 a year in energy bills.3

Remember to keep your home ventilated and seek advice from an installation professional.

Generate your own renewable energy

Renewable energy is generated from sources such as the sun, wind or water and reduces our reliance on fossil fuels. As well as choosing a renewable energy supplier, you could generate your own power by installing things like:  

  • solar panels that use sunlight to generate electricity or provide hot water

  • biomass heating systems that burn organic material in a wood burning stove or boiler to provide heat and hot water

  • heat pumps that use naturally occurring heat in the air or ground (instead of burning fuel) to create power and heat your home

If you generate your own renewable energy, you could also benefit from:

Ways to finance energy-saving home improvements

Energy Company Obligation (ECO)

ECO is a UK-wide scheme to reduce carbon emissions and tackle fuel poverty. The scheme supports low-income and vulnerable households install energy improvements which are paid for by large energy companies. Find out if you’re eligible for ECO.

Green Homes Grant scheme

The government’s Green Homes Grant scheme has now ended.

Find out how to redeem a voucher if you applied for one before the deadline.

Personal savings

If you have cash available, using your savings can be a good option to fund home improvements, especially smaller projects such as draft-proofing. You can also avoid paying possible interest that may come with borrowing. However, it’s important to consider whether there are any charges for withdrawing your savings and whether you’ll have enough money left over for an emergency fund

Borrow more money against your home

You may be able to borrow more money against your property to release some equity. This can help fund home improvements, like making your home more energy-efficient, and hopefully increase its value. You’ll need to think carefully about securing a loan against your home as it can be repossessed if you’re unable to keep up with the repayments. Calculate what your monthly repayments could be

Personal loan

A personal loan allows you to spread the cost of your home improvement project, over a set period, without increasing your mortgage. Our Personal Loan Calculator can help you work out what your monthly payments could be, based on our representative rate* for the amount you enter. 

*3.3% APR representative for loans between £7,000 and £15,000. Please note this rate is subject to change. The APR may vary based on the amount borrowed and credit is subject to status. 

1GOV.UK: Energy saving measures boost house prices
2Simple Energy Advice: Low energy lighting 
3Energy Saving Trust: Reducing home heat loss