Lendology delivers £4.52 million to help 388 homeowners improve their homes
Customers reported warmer, more suitable homes, improved wellbeing and fewer worries about energy costs following improvements funded through Lendology.
Behind every loan is a person hoping to make their home safer, warmer or better suited to their needs. In 2025/26, Lendology supported 388 homeowners with £4.52 million in home improvement lending, saving an estimated 165.8 tonnes of CO₂e in 2025/26. Our new Social Impact Report tells the story behind those numbers, exploring what changed for people once the work was done – from feeling warmer and more comfortable at home to improved wellbeing and fewer worries about energy bills. Because the loan is not the impact. It’s what the finance makes possible.
With 65.8% of Lendology’s loans supporting renewable energy and energy efficiency improvements, the impact can be seen in homes where switching from oil heating to an air source heat pump has brought greater comfort and less worry.
Peace of mind at home
For Jan in Cornwall, switching from oil heating to an air source heat pump has meant a warmer home, reliable hot water and no longer worrying about running out of oil.
With support from a council-backed loan delivered by Lendology, she was able to make the move to renewable heating – reducing her reliance on fossil fuels and giving her greater peace of mind at home.
Jan’s story puts a person behind Lendology’s wider environmental impact, with improvements financed in 2025/26 estimated to save 165.8 tonnes of CO₂e.
Meaningful difference
To understand the difference these improvements made throughout the year, Lendology asked customers to reflect on life in their homes before and after the work was completed. Their responses show how improvements to the home can make a meaningful difference to everyday life:
- Warmer, more suitable homes: 93% of Home Improvement Loan respondents said their home was warm, comfortable and met their needs following the work, compared with 38% beforehand.
- Improved health and wellbeing: the proportion of Home Improvement Loan respondents saying the condition of their home negatively affected their health and wellbeing fell from 72% before the work to 21% afterwards.
- Fewer worries about energy costs: among respondents who had made green home improvements, the proportion worried about the cost of heating and powering their home fell from 88% to 24%.
The findings demonstrate the wider role responsible finance can play in helping people improve their homes. Working in partnership with councils, Lendology provides an alternative route for homeowners to fund necessary repairs and improvements when other options may not meet their circumstances.
The loan itself is not the impact
Emma Lower, CEO of Lendology CIC, said:
“Behind every loan is a person, a family and a home. Our success isn’t simply measured by how much we lend, but by what happens afterwards. A home that is warmer or safer, repairs finally completed, greater independence, or an empty property brought back into use.”
“The loan itself is not the impact. It is what the finance makes possible.”
“Our council partnerships help us give homeowners another route to getting necessary work done when other funding may not meet their circumstances. Behind the figures in this report are people who have shared how those improvements have changed their everyday lives.”
The report also explores the impact of lending for home repairs, adaptations, rental improvements and bringing empty homes back into use.
Full methodology and assumptions are detailed in the Social Impact Report.
Read the Lendology Social Impact Report 2025/26 here: https://www.lendology.org.uk/about-us/social-impact-report
