From EPC D to A: How a Suffolk family transformed their home with support from lendology

When Suffolk homeowner Mike and his family decided it was time to take meaningful climate action, they quickly discovered the cost of installing solar panels could put their plans out of reach.

“The quote was very competitive,” Mike said, “but still outside our budget.”

After researching options, Mike came across the Warm Homes Suffolk Loan, delivered by social enterprise lender Lendology CIC in partnership with Suffolk County Council. Mike found an accessible way to fund the full solar installation they’d hoped for — without having to scale back their ambitions.

“They couldn’t have been more helpful,” he said. “They answered all our questions, explained the steps, and dealt with everything very efficiently.”

The result? A remarkable leap from an EPC Band D to Band A, achieving a SAP rating of 100 — and enough clean, renewable energy to power the family’s home with capacity left to install a heat pump and remove their gas boiler.

“We now have enough electricity generation to meet all our needs and still have lots of spare to install a heat pump and remove our gas boiler,” Mike explained.

This is what responsible, people-first lending looks like — helping households embrace greener, lower-cost living without the barriers of high-cost credit.

Reflecting on the process, Mike added:
“Without your help I don’t think we would have been able to get this all done. I’d recommend anyone who wants to make their home greener but worries about the cost to talk to Lendology.”

Lendology CIC has been working with councils for over 20 years, providing affordable, accessible finance for homeowners to improve their homes — from essential repairs to renewable energy upgrades.

With over £27 million lent to date through partnerships with councils, Lendology continues to put people and communities first, offering loans designed around real needs, not profit. And in this case, helping people be greener.

For more stories like Mike’s and to see what finance options are available in your area, visit www.lendology.org.uk

We recommend that you carry out an independent retrofit assessment to find out which works are suitable for your home and budget.

Representative Example (0% fixed interest rate, Representative 0.2% APR).

Loans are subject to status and are typically protected by a Title Restriction.

Borrow £5,000 over 60 months, £83.33 monthly repayments, with the final payment of £83.53. Total amount payable = £5,020.00, including £20.00 fee for registering the Title Restriction against your property at the Land Registry. The £20.00 fee is only payable if a loan is agreed by Lendology, and you decide to proceed with a loan. We do not charge interest on the fee. A Title Restriction means that you may not be able to sell your home without our permission unless the loan is fully repaid. Missing payments could affect your credit rating and ability to obtain credit in the future.

About Lendology CIC

Lendology CIC is a social enterprise, alternative finance provider working with council partners to offer responsible loans for home improvements, energy efficiency upgrades and reducing carbon emissions.With people at the heart of every decision, Lendology delivers finance that puts impact before profit