Action needed to unlock home energy efficiency delivery this decade

A new report by the Sustainable Homes & Buildings Coalition calls on Government and industry to work together if the UK is to succeed in decarbonising its 29 million homes.

  • ‘Home is Where the Heat is – Progress Report’ documents the first phases of fully funded energy efficiency pilots in nine UK households
  • Offers 5 policy recommendations to Government to retrofit UK homes this decade, including reform to stamp duty policy
  • Second report by Sustainable Homes & Buildings Coalition launched in Parliament 


In support of the recommendations outlined

  • British Gas unveils plan to deliver heat pumps under £5,000
  • NatWest Group earmarks £10 billion for green mortgages
  • Worcester Bosch to ramp up training course places to support delivery


A new report by the Sustainable Homes & Buildings Coalition, launched in Parliament, calls on Government and industry to work together to move energy efficiency from pilot to profitable, from difficult to desirable and from piecemeal to prominent, if the UK is to succeed in decarbonising its 29 million homes.

Home is Where the Heat is – Progress Report’ sheds much needed light on the importance of customer-centric approaches to the home retrofitting industry, by showcasing the real-life experiences of nine households from Tyne & Wear to Pontypool.

Focusing on the first three parts of a five-phase process, the Coalition provides an honest appraisal of some of the stumbling blocks and learnings experienced as they accompany the nine households on a journey to energy efficiency.   Some of the learnings are concerning but well known, especially around the clunkiness of the customer journey, the opacity of funding options and supply chain shortages. 

Other insights, especially on Energy Performance Certificates and their bias towards certain solutions like Solar PV rather than newer technologies, and the benefits of digitising them, need urgent action now. Interestingly, the report indicates that EPCs are an increasingly important factor when buying a home, with EPC ratings now seen as more desirable than access to public transport, according to the Q3 edition of NatWest’s Greener Homes Attitude Tracker.


Commenting on the report's launch, Alison Rose, NatWest Group Chief Executive said:

“Supporting households up and down the country to act on energy efficiency is essential, not just in our transition to net zero, but also to help keep energy costs down for the long-term. The Coalition is showing what can be done to deliver greener, warmer and more comfortable homes for British households in a people-centric manner.

"But, we can’t shy away from the fact that delivering energy efficiency is hard work. That is why, as well as carving out £10 billion to roll out green mortgages, we are supporting SMEs to play their part in the tremendous growth opportunity that energy efficiency represents and calling on Government and Industry to work together to kickstart a decade of delivery. I look forward to the spring Outcomes Report to see the positive impact that such interventions can have for families from Pontypool to Coulsdon."


The report also emphasises the strong and growing public support for energy efficiency – highlighting that 68% of homeowners are planning to make energy efficiency improvements to their home in the next decade. Additionally, it discusses the industry supply chain, and what can be done to unlock the role of SMEs to fully contribute to this strategic agenda.

Delivering a home retrofit every minute until 2050 will not happen by magic. With households now massively in favour of energy efficiency, increased industry momentum to drive this national agenda forward, and SMEs standing to gain the most from the growth opportunity it presents, the Coalition makes five policy recommendations to unlock the delivery of energy efficiency this decade.


  1. A public information campaign to educate the public on energy efficiency measures
  2. Long-term investment signals to the market, including through local area energy planning
  3. EPC reform to ensure all homes sold by 2033 are rated EPC C and above, while digitising and regularly updating EPCs to make them more useful
  4. The launch of a ‘Help for Energy Efficiency Scheme’ allowing banks to provide low interest loans to households to upgrade their properties
  5. The launch of an ‘Energy Saving Stamp Duty Rebate’ leveraging the trigger point of a house sale for the new owner to have a two-year window to invest in energy efficiency and be able to claim it back against its stamp duty


To coincide with the publication of the report, British Gas is announcing that it will offer heat pump installations for £4,999 to help more of its customers to lower their emissions.

Meanwhile, as part of NatWest Group’s industry-leading pledge of £100 billion to drive climate action  and decarbonisation before the end of 2025, the bank has committed £10bn to green mortgage lending, lending £2.32bn to around 9,500 homeowners under this commitment already in 2022 through the NatWest, Royal Bank of Scotland and Coutts mortgage brands.

Worcester Bosch will continue to invest into the research and launch of low and zero carbon products, and progress with the training of 18,000 installers per year to support the delivery of the energy efficiency agenda.

The Coalition announced it will also be publishing an Outcomes Report in the Spring of 2023 to report back on the outcomes of the nine retrofit pilots.

Click here to access the latest report. To learn more about the customer retrofit pilot journeys, please click here.


Carl Arntzen, CEO of Worcester Bosch said:

“As a Coalition we are working together to drive change and guide the UK’s move to net zero. This latest report shares the lessons we are learning and shines a light on the amount of work and considerations required to decarbonise home heating and ensure the country reaches its net zero 2050 targets.

“We hope that our recommendations are listened to and acted upon by Government and we of course remain committed and available to support the nation’s drive for climate action.”


About the Sustainable Homes and Buildings Coalition

In July 2021, NatWest, Worcester Bosch, and British Gas, with support from Citizen’s Advice, formed the Sustainable Homes and Buildings Coalition. The Coalition’s core purpose is to influence policy makers and stakeholders to change their approach to energy efficiency. Instead of top-down governmental programmes, strategies and schemes, the Coalition has endeavoured to show that by putting customers at the heart of the process, and through empowerment and guidance, real progress in decarbonising the UK’s built environment can be made.

To contact the Coalition please email: 



Click here to read the full Home is Where the Heat is - Progress Report



This is for media use and not a financial promotion.


Caution about climate and sustainable funding and financing (CSFF) information

Climate and sustainable funding and financing activities and their classification and reporting are still not subject to a single recognised or accepted, consistent and comparable set of definitions or standards in the UK or globally. There is little certainty that such activities and or reporting of those activities will meet any present or future expectations or requirements for describing or classifying funding and financing activities as “green” or “sustainable” or having similar labels (including existing or proposed standards, such as the EU Taxonomy, EU SFDR and EU GBS). We expect policies, regulatory requirements, standards, and definitions to be developed and evolve over time.

Preparation of some of the information in the research report referred to in this announcement as well as reporting on CSFF activities against the £100 billion CSFF target requires the application of a number of key judgements, assumptions and estimates. The reported measures on such activities reflect estimates, assumptions and judgements at the given point in time. There is a risk that these judgements, estimates or assumptions may subsequently prove to be incorrect. In addition, the maturity of underlying data, systems and controls that support such reporting is generally considerably less sophisticated than the systems and internal controls for financial reporting and it also includes manual processes.

This document and any information contained or otherwise accessible through natwestgroup.com are historical and only speak as of their respective dates. Reference to natwestgroup.com and other websites are made for information purposes only. Information found at such websites are not incorporated by reference into this document. NatWest Group is under no obligation to update these materials, absent a legal duty to do so.


Information about NatWest and RBS Green Mortgages

NatWest Green Mortgages are available to over 18s purchasing or re-mortgaging a home with a valid Energy Performance Certificate (EPC) rating of A or B. Product fees may apply. Your home may be repossessed if you do not keep up repayments on your mortgage.

For more information on Green Mortgages visit:

·         NatWest

·         Royal Bank of Scotland


Information about Coutts Green Mortgages

Your home or property may be repossessed if you do not keep up repayments on your mortgage. Over-18s only. Terms and conditions apply. You may not be eligible for all Coutts mortgage solutions. Security may be required. Product fees may apply. Subject to status.

For more information on Green Mortgages visit:

·         Coutts

scroll to top