Our Green Agenda

Welcome to Pepper Money

At Pepper Money, we’re on a mission to operate an environmentally positive business, one that uses our skills and expertise to provide funding solutions that ultimately improve the societal and environmental outcomes for our colleagues, customers, and the planet.

We’ve already taken many steps to reduce the impact we’re having on the environment, including starting to offset our carbon footprint, reducing paper consumption and the introduction of Automated Valuations which saves the need to send someone to our customer’s properties to undertake a physical valuation survey.

But we’re not stopping there, to really change behaviour we want to involve you, our customers. For example, do you know what impact your property is having on the environment and the steps you could take to improve it? And for those customers who improve their properties efficiency by at least 1 banding, you could win £10,000, read our competition rules for further information.

We’re continuing our campaign to help you better understand this impact and make improvements to address it. Plus, 5 lucky customers could win £10,000 towards their sustainable home improvement costs.


If you redeemed your first free Energy Performance Certificate courtesy of Pepper Money, you would have received several recommendations to improve the energy efficiency of your property. Don't worry if you haven't there's still time.

Any subsequent green improvements you then make to your property that raise your EPC rating by at least 1 banding, for example, a “D” to a “C” mean you could win £10,000, see our competition rules for full qualifying information.

To claim your second EPC, simply call Vibrant Energy Matters who will organise your second survey on 0191 214 2456 or email [email protected]

For full competition rules including eligibility and entrant criteria please click below

Competition Rules

Our Green Agenda

Read our top tips for living sustainably

Reuse and upcycle where you can

  • Get yourself a reusable bottle & coffee cup rather than disposable ones – it often pays to bring your own cup as some coffee shops offer a discount off the purchase price when you bring your own!

  • Try purchasing second-hand or vintage items (and don’t forget to sell too). Many apps are available, so whether you’re looking to furnish your home, find a new outfit or even sports equipment, there are items out there looking for a new home!

  • Up-cycle and find alternative uses for items you would typically just throw away; this could range from reupholstering old furniture to using coffee grounds in your soil to promote healthy plants.

  • Swap kitchen towel & foil for reusable cloths and tray liners that can be washed rather than used once and thrown away.

Shop Ethically & local where you can

  • Skip the fast fashion and try sustainably sourced garments – you can even discover the journey your clothes take from material sourcing to arriving on the doorstep.

  • Food grown locally will travel fewer ‘food miles’ before it arrives on your plate, so consider seasonal fruit and vegetables from local producers.

  • Try staycations when looking for a trip, explore the fantastic options available within the UK and reduce your air miles, these can be a big contributor to your carbon footprint.

  • Think about the carbon price tag, as well as how much money it costs when making new purchases. This simple mindset change will help you keep sustainability front of mind, everyday.

Reduce your carbon footprint

  • Your home could be losing heat through draughts around the property. Check around your windows, doors and between floorboards or up your chimney.

  • Draught-proofing these areas can be a cost-effective way to reduce your energy usage and reduce your household’s carbon emissions.

  • Wash your clothes at 30c where possible, which will also save your energy bills in the process!

  • Check if your clothes actually need washing as they may just need a quick airing, and you can then wear them again.

  • Use energy-saving lights around your home to reduce both your bills and carbon footprint.

  • Try writing a weekly meal plan to help you only buy what you need to avoid food waste.

Improving your EPC rating is great for the environment and your back pocket. The more efficient your property, the less energy is required to heat your home.  Plus, the EPC rating of your property directly impacts the value of your home, so improving your property’s energy efficiency is not just a long-term investment for you but also for the planet! 

There's still time to get a FREE energy performance survey, certificate, and action plan on us

If you've not claimed your free EPC, and have received a letter or email from us, you can still redeem your first Energy Performance Survey until the deadline of 30th November 2022.

We want to empower you to find out more about your home's energy efficiency and how you can improve your current EPC rating by making improvements in your home. That's why we're offering existing customers with a free Energy Performance Certificate on their property.
You can find your redemption code on the email or letter you received from us. Enter your details to get started.

Enter details

We measure a property’s energy performance via an Energy Performance Certificate (EPC) in the UK. The EPC rating scheme bands properties between “A”, the most efficient and “G”, the least efficient.

If you decide to make the most of this offer, upon completion of your free survey, you will receive your EPC, which will be valid for ten years.

Existing Pepper Money customers may qualify for a free EPC. We will be writing to you when you can claim yours.

Upon completion of your survey, you’ll receive your certificate and action plan to improve your EPC rating, which will include recommendations on the key steps you could undertake to improve the efficiency of your property, the estimated cost for making those changes and the likely annual cost saving. Remember we’re here to discuss your borrowing needs and would love to talk to you about funding some or all of those improvements.