Unity launches £100m green tariff to help customers reduce their carbon footprint

Published: November 6, 2025

Unity Trust Bank has launched a new green tariff for loans supporting organisations taking actions to improve energy efficiency and pursue a low carbon future.

The tariff is available to new and existing customers and will provide beneficial lending terms to those looking to reduce the environmental footprint of their buildings.

It’s also suitable for organisations that have already achieved high levels of energy efficiency.

The £100m ringfenced finance is for eligible energy savings and carbon reduction projects such as low carbon heating, improved insulation, small scale renewable energy 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 pioneering Retrofit Transition Initiative (RTI) which launched in 2023 and was recognised with a ‘Funding Team of the Year’ award at the Unlock Net Zero Awards 2025. To date, over 1,770 affordable homes have benefited from RTI funding.

With residential and commercial buildings combined accounting for 20-21% of carbon emissions1, the new Green Tariff Lending will further contribute to the UK’s transition to 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 has set a Net Zero target by 2045 and is a signatory of the Fossil Fuel Non-Proliferation Treaty. Unity excludes funding for high-carbon or high-polluting industries and assesses all lending to deliver quantifiable impact. Every loan proposal is aligned to one or more of the United Nations’ Sustainable Development Goals and assessed for the positive social, economic or environmental impact on UK communities.

Unity was awarded the King’s Award for Enterprise for Sustainable Development in 2024 in recognition of 40 years of delivering impact.

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1 2023 UK greenhouse gas emissions, provisional figures