Unity Trust Bank has unveiled a £100 million green loan tariff designed to help organisations reduce their carbon footprint and boost energy efficiency across their properties.
The new tariff is open to both new and existing customers and will offer favourable lending terms for projects focused on cutting emissions and improving energy performance in buildings. The initiative also caters to organisations that have already implemented energy-efficient upgrades and are maintaining high environmental standards.
The ringfenced fund will support a range of eligible initiatives, including low carbon heating systems, enhanced insulation, renewable energy installations, and climate resilience measures.
Matt Conroy, Head of Impact Propositions at Unity Trust Bank, said: “With a government target for the UK to reach net zero by 2050 and the increased costs of energy, it’s important to find solutions to support our customers to move to a low carbon economy.
“As a social impact bank, we believe that finance has an important role to play in achieving a greener future.
“This new tariff is aimed at helping customers to significantly reduce their carbon footprint, adopt more sustainable practices and protect the environment.
“The terms are designed to be clear, easily understood and to provide fair value to customers through transparent pricing and tangible cost benefits.”
The Green Tariff replaces Unity’s previous Retrofit Transition Initiative (RTI), which launched in 2023 and earned the ‘Funding Team of the Year’ accolade at the Unlock Net Zero Awards 2025. Since its inception, the RTI has supported the improvement of more than 1,770 affordable homes through energy efficiency funding.
With residential and commercial buildings contributing an estimated 20–21% of the UK’s total carbon emissions, Unity’s new Green Tariff aims to further accelerate the national shift towards net zero.
Matt added: “Through Unity’s RTI we were able to support the delivery of energy efficiency measures within the UK’s social housing stock.
“We will now be able to do this for all our customers through retrofit and decarbonisation improvements, energy efficiencies and clean energy technology.
“We also want to support organisations that have already improved the energy performance of their buildings, and contributing to a low carbon economy.”
Unity Trust Bank has committed to achieving net zero by 2045 and is a signatory of the Fossil Fuel Non-Proliferation Treaty. The bank excludes lending to high-carbon or heavily polluting sectors and ensures every loan contributes positively to one or more of the United Nations’ Sustainable Development Goals.
The bank’s long-standing commitment to sustainability earned it the King’s Award for Enterprise for Sustainable Development in 2024, marking four decades of delivering measurable social and environmental impact.
