How to apply for Suffolk's new interest-free home improvement loans

The big picture: Suffolk County Council has launched a £3 million scheme offering homeowners interest-free loans between £2,000 and £15,000 for energy efficiency upgrades. The loans can be repaid over up to seven years.

Why it matters: With energy costs remaining high, these improvements could help residents:

• Save money on energy bills
• Make homes warmer in winter and cooler in summer
• Reduce carbon emissions
• Improve property value

How it works: The loans can be used for various home improvements, including:

• Insulation
• Solar panels
• Batteries
• New glazing
• Heat pumps

The application process:

1. Visit the Lendology website to apply
2. Complete the online application form
3. Pay a £20 fee if your loan is approved (this covers Land Registry costs)

Worth noting: The £20 fee means the loan has a representative 0.2% APR, despite being interest-free. A Title Restriction will be placed on your property, meaning you'll need permission to sell unless the loan is fully repaid.

What they're saying: Councillor Philip Faircloth-Mutton, Cabinet Member for Environment, Communities and Equality, said:

"This loan scheme will help hundreds of Suffolk residents to make their homes more energy efficient. It will put money back in their pockets, by saving on their energy bills."

He added: "We all have a responsibility to ensure homes can cope with the changes in climate, keeping people cooler in summer and warmer in winter, and ultimately reducing our carbon emissions."

What's next: Two free webinars are being held for residents to learn more:

• Monday 11 November, 14:00-14:30
• Wednesday 13 November, 17:30-18:00

The bottom line: The scheme is part of Suffolk's Climate Emergency Plan and aims to help hundreds of residents make their homes more energy efficient. When loans are repaid, the money becomes available to other homeowners, creating a sustainable funding cycle.