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Borrowers will be able to take out a bigger mortgage when buying greener properties for the first time. Due to a pioneering scheme to encourage more greener homes nationwide.

The move is one of several innovations being mooted to overcome householders’ inertia on energy efficiency, alongside tax cuts for greener homes.

Welsh government said the change should open up the housing ladder to more people, encouraging buyers to consider energy ratings.

Rebecca Evans, Wales’s housing minister, said: “We hope to see lenders follow our lead and making energy efficiency part of the mortgage consideration for all home buyers in Wales.”

The Building Research Establishment, which has undertaken research into green mortgages, said it hoped banks and building societies would wake up to the importance of factoring energy use into lending decisions.

Andrew Sutton, the group’s associate director, said: “My primary hope is that the mortgage industry reacts.”

He said lenders were aware there is a growing argument to factor energy efficiency into their decisions. In addition, they were nervous about moving first, and the costs of implementing the changes.

Barclays is one of the first to offer a green mortgage product, offering borrowers a discount on the loan’s interest rate on new-builds rated in the top two energy bands, A and B.

Such incentives could change the “my home is my castle” mindset that has held back efficiency improvements in privately owned homes, Sutton said.

In an effort to encourage householders to install insulation, council’s have offered tax discounts for greener properties.

Facts and Figures

Welsh help-to-buy loans will take into account the energy rating of new-build homes worth up to £300,000.
However, Sutton said the approach also had big potential for existing homes. For example, a homeowner wanting to borrow £10,000 extra on their mortgage for a loft conversion could potentially borrow more. In comparison, a home with an energy rating of C, can potentially borrow more then one with an E rating.
Affordability calculations could allow them to increase loans by £11,500 because buyers’ electricity and gas bills will be lower.

To see if you could save and improve the energy efficiency of your home. Get in contact today at:

[Article taken from The Guardian on 16/05/2018.]

Just a quick note of thanks for the work you recently completed at our house. We had been badly messed about by another firm promising (and failing) to do this work – and as a result decided to try A&M. The service has been great, right from booking/conducting the survey – through to the two installers who completed the work. Everyone turned up on the dates/times they were supposed to and the standard of work was very good. Much appreciated. Ian Wilkinson, Halifax
May I commend your men for an excellent job done very well, they were efficient, polite and cleaned up after even washing walls down of dust produced by drilling. A good job well done! Mr Lockwood, Ewhurst
Just wanted to pass on our thanks for the excellent customer service we received from your engineer last Tuesday. He arrived on time and explained everything in detail. He made sure he worked safely and cleaned up everything before he left. Hopefully you can pass on our thanks for a job well done. Believe me this is not always the case with trades people. Mr Lloyd, Shrewsbury
Just a note to say how impressed we were with the 2 men who came to insulate our house walls last Thursday. They were very helpful with a wall vent problem,were hard at work all day and did an excellent job, even as far as washing the windows after the job was completed. Please pass on our thanks to them for a job well done. Charles and Alison
I’d like to report back on the excellent job undertaken by your installer yesterday with our cavity wall insulation. He was on site exactly at the agreed time, very knowledgeable and kept a friendly and polite attitude all day. There was an evident respect of my property and he cleaned up behind himself leaving little evidence that he had even been there. A job very well done. Mr Adams, Swindon
We would like it noting how thoroughly polite, efficient and professional A&M Energy Solutions have been, right from their initial visit to survey our property. They’re a credit to you. Mrs Hadden, Sileby
I was very pleased with the way that the work was carried out on my property, particularly the manor and attitude of the three operatives on site. The original contact lady and surveyor were also helpful and friendly. Mr White, Salisbury
Your men turned up nice and early. They explained everything, gave the H&S notice and door signs. They were pleasant, and very quick and efficient in doing the job, and the house was left clean. I didn’t expect them to paint over where the holes were, so that was a bonus! At the end of the job, the paperwork was explained thoroughly before each piece was signed. I would recommend A&M to anyone. P Brewerton, Littlehampton
Wrexham County Borough Council, Housing Services have been working with A&M Energy Solutions for many years to insulate our Local Authority owned housing stock. I have found them to be trustworthy and reliable company who carry out the work to a consistently high standard. Their property surveyors are courteous, polite and are able to communicate with our tenants and they insulation operatives carry out the work cleanly, safely with minimal disruption. Geraint Wyn Jones, Wrexham County Borough Council
We have been extremely pleased with the performance and approach of A&M Energy Solutions. We have monitored the work completed and found it be of high standard. Householders have praised the work and conduct of A&M staff. We have been impressed by the amount of personal attention given to our schemes by senior staff and the A&M office team. This has led to further collaboration on other schemes and a solid and reliable working relationship. Helen Perkins, Warm Wales
I would like to compliment you on the wonderful staff you have doing this job, they are pleasant, keeping me informed of what they are doing and very efficient.
The weather was awful yesterday but they worked through it keeping cheerful and helpful.
Mrs Langborne, Ryde