The Green Deal explained Green Deal FAQsThe Green Deal is a relatively complex scheme that requires a significant amount of initial research before you should consider applying. On this page you will find answers to some of the most frequently asked questions relating to the Green Deal, Green Deal finance, the assessment process and what effects it might have on your property.
Green Deal FAQs
What measures are included in the Green Deal?˅
There are many energy efficient measures that can be part of the Green Deal. For more information, see Green Deal products and measures.
What is a Green Deal assessor?˅
A Green Deal assessor (either a sole trader or an organisation) is authorised to offer Green Deal Assessments to consumers.
How does a Green Deal Assessment work?˅
Visit our page on getting a Green Deal Assessment to find out how the assessment works, and to download our handy checklist explaining what to do before, during and after your assessment.
How can I tell if a Green Deal assessor is accredited?˅
Check that the assessor is authorised with the Green Deal Quality Mark. Authorised Green Deal assessors are listed on the Green Deal Oversight and Registration Body website.
What is a Green Deal adviser?˅
Green Deal advisers work for Green Deal assessors. It is the adviser who will come to your house to carry out an assessment, and then produce a Green Deal Assessment Report detailing which energy saving improvements could be introduced to your property to make it more energy efficient.
A Green Deal adviser must hold a qualification that meets the standard required by the relevant National Occupational Standards and syllabus and be a registered member of a certification body.
What is a Green Deal provider?˅
A Green Deal provider will be able to arrange for your Green Deal measures to be installed and will help provide you with the finance (ie the loan) to cover installation. It will be your point of contact for customer service enquiries after the Green Deal is complete.
What if I have a complaint about my Green Deal or Green Deal provider?˅
First, get in touch with your Green Deal provider. If you are unhappy with how your complaint has been dealt with by your Green Deal provider, you can contact the Green Deal Ombudsman.
What is a Green Deal plan?˅
This is the contract that exists between the Green Deal Provider, the improver (you) and the bill payer (if different at the property). It sets out the financial terms of the agreement, such as how much you'll pay and over what period.
What is a Green Deal installer?˅
A Green Deal installer is certified to install energy efficient improvements that are eligible for Green Deal finance.
Is work done under the Green Deal guaranteed?˅
Yes. Government regulations mean that measures carried out under your Green Deal are guaranteed for a minimum of five years. If your house is damaged as a result of any Green Deal works - for example, if installing a new boiler damages your existing plumbing - then this is guaranteed for a minimum of 10 years.
What is a Green Deal loan?˅
A Green Deal loan is taken out with a Green Deal provider to help cover the initial costs of installing any recommended energy efficient measures. Find out more on our page on Green Deal Finance - paying for the Green Deal.
How do Green Deal loans work?˅
Green Deal loans are attached to the electricity supply of your property. Repayments will be made through your energy bills until you have paid off the cost of installing your energy efficient measures. Visit our page on Green Deal Finance - paying for the Green Deal to find out the details.
How else can I pay for the Green Deal?˅
There are several other alternatives to taking out a Green Deal loan, such as increasing your mortgage, taking out an unsecured loan, paying on a 0% interest credit card or using your own savings. We outline the advantages and disadvantages of each on our Green Deal Finance - paying for the Green Deal page.
What is the Green Deal Home Improvement Fund incentive scheme?˅
The Green Deal Home Improvement Fund (GDHIF) is an incentive scheme, giving you the opportunity to claim money from the government for installing energy-efficient measures. The fund is comprised of £30 million, and each household can currently claim up to £5,600 - £4,000 towards solid wall insulation, and £1,000 for other measures. It is expected that further funds will be announced quarterly, from February 2015. For more details of the scheme please visit our Green Deal Finance - paying for the Green Deal page.
What other funding is available?˅
You may be eligible to further savings through the Energy Companies Obligation (ECO) scheme. Visit our page on ECO to find out more.
What happened to the old Green Deal cashback scheme?˅
The old Green Deal cashback scheme stopped taking applications on 30 June 2014. It has now been replaced with the Green Deal Home Improvement Fund.
Is the Green Deal good value for money?˅
As with any financial product, whether the Green Deal is a good deal will depend upon your personal and financial circumstances. Green Deal plans may have different interest rates and different terms and conditions, so read the terms carefully and consider all the implications when signing up to this long-term financial commitment.
You could, for example, be better off paying for your energy-efficiency improvements using a 0%-on-purchases credit card and repaying it over the term of your credit card deal. You may also want to consider increasing your mortgage to pay for home improvements - although this will increase your monthly mortgage repayments, you may be borrowing at a lower rate than a Green Deal loan.
For more details on the financial side of the Green Deal, have a look at our guide on Green Deal Finance - paying for the Green Deal.
What happens if I stop repaying my Green Deal?˅
Your Green Deal charge is collected through your electricity bills, so if you stop making your Green Deal payments then you are at risk of having your electricity disconnected.
If you are struggling to pay for your Green Deal or are finding that the savings to your electricity bill are not as high as you expected, contact your Green Deal provider as soon as possible.
Can I still switch energy suppliers if I have a Green Deal?˅
In most cases you can still switch energy suppliers if you have taken out a Green Deal, as all of the larger providers (British Gas, EDF, Eon, Npower, Scottish Power and SSE) are currently part of the scheme. However there are a handful of small energy suppliers that you will not be able to switch to if you take out a Green Deal, as they are not part of the Green Deal scheme.
What happens if I sell my home?˅
The Green Deal is attached to your property's electricity supply and not to you as an individual, so if you sell your home then your Green Deal arrangement will transfer over to the new owner.
The existence of the Green Deal must be disclosed to the buyer. If the buyer of your home does not feel comfortable taking over the Green Deal loan, they might want to renegotiate the terms of sale or you could consider repaying the Green Deal off early as part of your conveyance. However, we haven't yet come across any cases of buyers being put off - if this does happen to you, contact us at email@example.com.
As a result of Which? campaigning, the Green Deal Finance Company has recently announced that it has scrapped any early repayment charges, meaning that you won't be penalised if you do need to pay off the rest of your Green Deal loan before selling to get the best price for your property.
Will the Green Deal affect house prices?˅
Technically, the Green Deal is a charge attached to the electricity meter of your home, not to you as an individual. So if you move, the Green Deal stays with the property.
It is not known how the Green Deal will affect the property market, but there is a concern that some prospective buyers may not be attracted to a property with a substantial Green Deal charge attached to it. You may choose to pay off the rest of your Green Deal loan before trying to sell your home, to get the best market price for your property.
I’ve just moved in to a house with a Green Deal attached to it - what does it mean?˅
The person who pays the electricity bill pays the money back - so if you’re a tenant in a rented property, you’ll be paying back the costs, not the landlord. This is because the tenant can expect to benefit from lower energy costs. If you move into a property with a Green Deal, the landlord or seller must show you a copy of the Energy Performance Certificate - this will explain what improvements have been made and how much you’ll need to repay.
What if I live in Scotland?˅
The Green Deal scheme is running in England, Wales and Scotland. If you are based in Scotland then call Home Energy Scotland on 0808 808 2282 to find out more, or use its online callback form to arrange for you to be called back.