EPC T&Cs
Standard Life Home Finance Horizon Energy Performance Certificate and cashback offer Terms & Conditions
Available to UK residents only. Customers without an existing Energy Performance Certificate (EPC) obtained within the last 5 years, will be offered a free EPC, plus cashback following completion of a Standard Life Home Finance Horizon or Horizon Interest Reward lifetime mortgage if your property receives an A or B rating.
Customers with an existing EPC obtained:
There will be no cash equivalent offered in replacement of a free EPC.
Available on all Standard Life Home Finance Horizon lifetime mortgages, including Horizon Interest Reward, via any whole of market adviser registered with Standard Life Home Finance or Modern Lending Advisers advising on behalf of Standard Life Equity Release.
Free EPC and cashback
If you do not have a valid EPC, Standard Life Home Finance will be in touch following completion of your Horizon or Horizon Interest Reward lifetime mortgage to invite you to register for and book your free EPC via the Vibrant microsite. The offer must be taken up within 2 months of completion of the lifetime mortgage.
If your new EPC rating is a B or above, you will qualify for the cashback. This will be paid to you by cheque around 3-4 weeks following completion of your lifetime mortgage.
If you are eligible for a free EPC, you will need to complete your Horizon or Horizon Interest Reward lifetime mortgage between 15.07.2024 and 15.04.2025 to qualify.
Cashback for an existing EPC
If you have an existing EPC obtained within the last 5 years (if your property is aged 10 years or older), or at any time (if your property is less than 10 years old), then you won’t need to get a new EPC, but could still be eligible for cashback with a B or above rating. This will be paid on completion of the Horizon or Horizon Interest Reward lifetime mortgage.
If you have an existing EPC rating of C or below, but have since had home improvements to possibly improve this, you can apply for a free EPC revaluation and if your new rating is a B or above, you will qualify for cashback.
If you are eligible for the cashback, you must apply for a Horizon or Horizon Interest Reward lifetime mortgage between 15.07.2024 and 15.04.2025, and your application must complete by 08.07.2025 to qualify.
Purchase cases
In the case of purchasing a new home, you will not qualify for a free EPC, but may still be eligible to receive cashback if the new property has an existing EPC rating of B or above.
Cashback terms
Have a question?
If you wish to find out more, you can contact Standard Life Home Finance via email on [email protected]
In the event of a dispute, the decision of Standard Life Home Finance will be final and binding, no correspondence will be entered into.
Standard Life Home Finance reserves the right to suspend, change or cancel the promotion any time and without notice.
Available to UK residents only. Customers without an existing Energy Performance Certificate (EPC) obtained within the last 5 years, will be offered a free EPC, plus cashback following completion of a Standard Life Home Finance Horizon or Horizon Interest Reward lifetime mortgage if your property receives an A or B rating.
Customers with an existing EPC obtained:
- within the last five years, for properties aged 10 years or older; or
- at any time, for properties aged less than 10 years,
There will be no cash equivalent offered in replacement of a free EPC.
Available on all Standard Life Home Finance Horizon lifetime mortgages, including Horizon Interest Reward, via any whole of market adviser registered with Standard Life Home Finance or Modern Lending Advisers advising on behalf of Standard Life Equity Release.
Free EPC and cashback
If you do not have a valid EPC, Standard Life Home Finance will be in touch following completion of your Horizon or Horizon Interest Reward lifetime mortgage to invite you to register for and book your free EPC via the Vibrant microsite. The offer must be taken up within 2 months of completion of the lifetime mortgage.
If your new EPC rating is a B or above, you will qualify for the cashback. This will be paid to you by cheque around 3-4 weeks following completion of your lifetime mortgage.
If you are eligible for a free EPC, you will need to complete your Horizon or Horizon Interest Reward lifetime mortgage between 15.07.2024 and 15.04.2025 to qualify.
Cashback for an existing EPC
If you have an existing EPC obtained within the last 5 years (if your property is aged 10 years or older), or at any time (if your property is less than 10 years old), then you won’t need to get a new EPC, but could still be eligible for cashback with a B or above rating. This will be paid on completion of the Horizon or Horizon Interest Reward lifetime mortgage.
If you have an existing EPC rating of C or below, but have since had home improvements to possibly improve this, you can apply for a free EPC revaluation and if your new rating is a B or above, you will qualify for cashback.
If you are eligible for the cashback, you must apply for a Horizon or Horizon Interest Reward lifetime mortgage between 15.07.2024 and 15.04.2025, and your application must complete by 08.07.2025 to qualify.
Purchase cases
In the case of purchasing a new home, you will not qualify for a free EPC, but may still be eligible to receive cashback if the new property has an existing EPC rating of B or above.
Cashback terms
- A rating = £1,000 cashback
- B rating = £500 cashback
Have a question?
If you wish to find out more, you can contact Standard Life Home Finance via email on [email protected]
In the event of a dispute, the decision of Standard Life Home Finance will be final and binding, no correspondence will be entered into.
Standard Life Home Finance reserves the right to suspend, change or cancel the promotion any time and without notice.