How to create healthier, more energy efficient homes across the UK 

Many homeowners in the UK are living in homes that need significant repairs, yet they face financial barriers in making improvements. With 1 in 5 homes failing to meet the Decent Homes Standard, the need for accessible finance is more pressing than ever. 

Lendology is tackling this issue head-on. Our loan schemes may help homeowners make energy-efficient upgrades, improving their living conditions while supporting wider environmental and community goals. In this article, we’ll explore how Lendology is making a real difference in people’s lives—creating warmer, healthier homes and contributing to a greener future. 

Transforming Homes and Lives 

Lendology is more than just a finance provider. We exist to support homeowners create better living environments to boost well-being through responsible and sustainable home improvements. 

• Energy Efficiency: Over 89% of our customers have seen improvements to their home’s energy efficiency, with many benefiting from upgrades like insulation, solar panels, and new windows. This helps them save on energy bills and reduce their carbon footprint. In 2023, our loans helped save 18,973kg of CO2—a significant step towards a Net Zero future. 

• Health Benefits: We know that the state of a home directly affects its occupant’s health. In fact, 65% of our homeowners reported feeling less stressed and healthier after completing their home improvements. Whether it’s tackling damp, replacing old boilers, or making homes warmer, our loans are about more than just buildings—they’re about improving lives. 

• Financial Inclusion: Lendology is committed to providing fair access to finance. We’ve supported over 32% of homeowners receiving state benefits and many others who would typically struggle to secure finance elsewhere. Our unique approach focuses on the individual’s financial situation, not just their credit score. 

Read more in our Social Impact Report 

Why Local Councils Choose Lendology 

Local councils are crucial partners in our mission to make homes safer and more sustainable. Councils are using our loan schemes to improve the energy efficiency of homes and reduce carbon emissions. 

By partnering with Lendology, councils are able to make the most of their budgets. Every loan repayment is recycled, creating a circular economy where funds are reinvested to help even more homeowners. This allows local authorities to make a meaningful, long-term impact without stretching their resources. 

Measuring Our Impact 

At Lendology, we believe in the power of data to demonstrate the tangible impact of our work. In 2023, we introduced a Carbon Reductions page in our Social Impact Report to track the carbon savings achieved through our loans. Working with the Centre for Energy Equality, we’ve developed tools to accurately measure our environmental impact, providing transparency to our customers and partners. 

By continually monitoring and refining our efforts, we aim to drive even greater impact in the coming years, helping more homeowners reduce their carbon footprint and achieve their energy-efficiency goals. 

Looking Ahead: A Sustainable Future for All 

As the UK’s first carbon-neutral personal lender and a certified B Corp, Lendology is proud to lead the way in responsible finance. But there’s still much more to be done. In 2025, we’re excited to expand our loan schemes and partner with even more councils to ensure that homes across the UK are energy-efficient, safe, and healthy. 

We are also committed to raising awareness of the Community Development Finance Institutions (CDFI) sector, collaborating with other organisations to ensure that responsible finance reaches as many people as possible. 

Building a Better Future, Together 

At Lendology, we believe that everyone deserves to live in a home that is warm, safe, and energy efficient. By providing loans for home improvements, we’re not just helping homeowners—we’re making a lasting impact on the health and sustainability of communities across the UK. 

If you’re a local council interested in improving housing in your area, we’d love to hear from you. Together, we can create a healthier, greener future for everyone. 

Want to learn more about how we can work together? Get in touch to find out how we can help improve homes in your community.