BECS — Burbage Engineering & Construction Services Ltd

Bank & Mortgage Incentives

Several UK banks and building societies now offer cashback or low-interest borrowing to mortgage customers making green home improvements — including installing a heat pump. Here's what's currently available, and how it stacks with the government's Boiler Upgrade Scheme grant.

Current Bank & Lender Offers

A snapshot of green mortgage incentives from major UK lenders. This isn't an exhaustive list — if your lender isn't shown here, it's worth asking them directly whether they offer a green additional borrowing or cashback scheme.

Lender Type Amount Who qualifies Combinable with BUS

Nationwide — Green Additional Borrowing

Type 0% interest loan
Amount £5,000–£20,000, over 2 or 5 year terms, no product fees
Who qualifies Existing Nationwide mortgage customers, subject to affordability and loan-to-value checks, via a Nationwide mortgage adviser or broker
Combinable with BUS Yes — this is borrowing to cover costs, not a competing grant

Halifax — Green Living Reward

Type Cashback
Amount £2,000 for installing a heat pump
Who qualifies Halifax mortgage customers with a Halifax current account, taking out new lending or a new mortgage deal — improvement must be completed and claimed (with a paid invoice) within 12 months
Combinable with BUS Yes

Barclays — Greener Home Reward

Type Cashback
Amount Up to £2,000 — a heat pump qualifies for the maximum reward
Who qualifies Barclays UK residential mortgage customers who register online before starting work; the installer must meet Barclays' registration requirements (check current terms — historically TrustMark registration)
Combinable with BUS Yes

Lloyds Bank — Eco Home Reward

Type Cashback
Amount Up to £1,000 for qualifying improvements including heat pumps
Who qualifies Lloyds Bank mortgage customers who also hold a Club Lloyds current account at the point of claim
Combinable with BUS Yes

Skipton, Coventry, Leeds & Co-operative Bank — Green Additional Borrowing

Type Discounted-rate additional borrowing
Amount Varies by lender; typically at least 50% of the borrowing must go towards green home improvements
Who qualifies Existing mortgage customers of these lenders, subject to affordability checks
Combinable with BUS Yes

Can these be combined with the Boiler Upgrade Scheme?

In most cases, yes. The Boiler Upgrade Scheme (BUS) grant is applied directly by us as your MCS certified installer — it comes straight off the price of your quote. Bank cashback and green borrowing schemes are separate products arranged directly with your own mortgage lender, so they generally sit on top of the BUS discount rather than competing with it.

That said, eligibility rules (such as needing a specific current account, or claiming within a set window after a new mortgage deal) vary by lender and can change. Always confirm the current terms directly with your bank before relying on a figure. See our Boiler Upgrade Scheme details for grant eligibility.

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Please note: this page is provided for general information only and does not constitute financial advice. Loan and cashback amounts, eligibility criteria and availability are set independently by each bank or building society and can change at any time. BECS Heat Pumps is not a financial adviser or credit broker — please confirm current terms directly with your mortgage provider before making any decisions. Information last checked 31 July 2026.