Cynergy Bank EPC C+ Term Loan – launched in June 2023

This EPC C+ Term Loan is designed for new and existing customers whose property portfolio already meets Minimum Energy Efficient Standards with an EPC rating of C.

This can apply to properties being acquired or refinanced. We are committed to supporting landlords who are proactively looking to meet these standards (see EPC Property Improvement Loan) and to those who already meet them. We expect to see a minimum 90% of the total floor area meeting these standards and can provide financial support to meet this criteria through the Improvement Loan to ensure 100% compliance is achieved.

Key Features:

  • Borrowing amount from £1m to £40m
  • Up to 70% LTV
  • Variable or Fixed Rate of Interest
  • Term: up to 10 years
  • Interest only or repayment
  • Repayment profile up to 30 years
  • Preferential discounted rates on our standard pricing for both variable and fixed rate products
  • Available for existing and new customers
  • Property acquisition or purchase
  • Dedicated Relationship Manager

Download our Product specification sheet 

Standard early repayment charges apply. 

Please note that Terms and Conditions will apply to the EPC C+ Term Loan. 


The borrowing can only be used for properties that have a minimum 90% total floor area that meet current Minimum Energy Efficient Standards

Minimum borrowing requirement is £1m

Subject to Credit Underwriter approval

How to apply

If you would like to discuss this product, please contact your Relationship Manager or contact our team.

Talk to our team


You have the security of knowing your eligible deposits are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK's deposit guarantee scheme.

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At Cynergy Bank, we’re proud to support our customers by putting them at the heart of our business.

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