RetroFi
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1
Your home
2
Energy
3
Plan
4
Results
5
Estimate
6
How it works
7
Get plan
Step 1 of 7
Tell us about your home
We use this to find your current energy rating and give you an accurate RetroFi estimate. It takes about 2 minutes.
Your postcode
RetroFi
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Your home
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Energy
3
Plan
4
Results
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Estimate
6
How it works
7
Get plan
Step 2 of 7
Your current energy setup
Tell us what your home has right now. Pick "not sure" for anything you're unsure about. There are no wrong answers.
Heating system
What type of boiler or heating do you have?
Insulation
Loft insulation
Yes
100mm+
No / little
Not sure
Cavity wall insulation
Yes
No / not sure
Solid walls
Floor insulation
Yes
No
Not sure
Windows
Renewable energy
Solar panels already installed?
Yes
No
Not sure
RetroFi
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Your home
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Energy
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Plan
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Results
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How it works
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Step 3 of 7
Build your improvement plan
Select upgrades you'd like, and your totals update instantly as you choose.
Total works cost
£0
Funded through RetroFi
Annual bill saving
£0
£0 over 10 years
Selected
0
of 13 improvements
Building fabricRefurbishment partner
Loft insulation
270mm mineral wool. Highest-impact, lowest-cost improvement.
Cost£800–£1,500
Annual saving~£225/yr
EPC impact+6 SAP pts
Refurbishment partner
Cavity wall insulation
Blown mineral fibre. For homes built 1920–1990.
Cost£1,500–£3,500
Annual saving~£300/yr
EPC impact+7 SAP pts
Refurbishment partner
Solid wall insulation
Internal or external boards for pre-1920 homes.
Cost£8,000–£16,000
Annual saving~£400/yr
EPC impact+12 SAP pts
Refurbishment partner
Double glazing
A-rated uPVC full home replacement.
Cost£6,000–£10,000
Annual saving~£165/yr
EPC impact+5 SAP pts
Refurbishment partner
Triple glazing
Premium A+ triple-pane. Maximum thermal performance and noise reduction.
Cost£9,000–£15,000
Annual saving~£220/yr
EPC impact+8 SAP pts
Refurbishment partner
Floor insulation
Insulates suspended timber or solid floors. Often overlooked.
Cost£1,000–£2,500
Annual saving~£130/yr
EPC impact+3 SAP pts
Refurbishment partner
Draught-proofing
Seals gaps around doors, windows and floors. Cheapest, fastest payback.
Cost£200–£400
Annual saving~£80/yr
EPC impact+2 SAP pts
Refurbishment partner
Hot water cylinder insulation
Jacket and pipe lagging for your hot water tank. Very low cost.
Cost£100–£250
Annual saving~£55/yr
EPC impact+1 SAP pt
Refurbishment partner
Secondary glazing
A slimline second pane fitted inside existing windows. Often the only option for listed or conservation-area homes.
Cost£2,500–£5,000
Annual saving~£120/yr
EPC impact+3 SAP pts
Refurbishment partner
Energy technologyEnergy technology partner
Solar PV panels
4kW rooftop solar with Smart Export Guarantee.
Cost£6,500–£8,500
Annual saving~£700/yr
EPC impact+8 SAP pts
Energy technology partner
Air source heat pump
Replaces gas or oil boiler. Efficient and future-proof.
Cost£8,750–£14,050
Cost to you~£3,500 after £7,500 BUS grant
Annual saving~£500/yr
EPC impact+15 SAP pts
Energy technology partner
Solar battery storage
5kWh battery stores surplus solar for evening use.
Cost£4,000–£6,000
Annual saving~£200/yr
EPC impact+3 SAP pts
Energy technology partner
Smart heating controls
Smart thermostat and TRVs. Low cost, immediate savings.
Cost£300–£700
Annual saving~£110/yr
EPC impact+3 SAP pts
Energy technology partner
Would you like to make adaptations to your home to suit your lifestyle?
RetroFi can also fund home adaptations that make daily living easier, safer and more comfortable. For example:
Accessible bathrooms
Stairlifts
Grab rails
Wet room
Wheelchair ramp
Ground floor bedroom
Yes, I would like to consider some lifestyle options
Take me to the lifestyle improvements screen
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Energy
3b
Lifestyle
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Results
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Estimate
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How it works
7
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Step 3b of 7: optional
Make your home work better for you
Completely optional. Select any adaptations that would make daily life easier, safer, or more comfortable.
Energy works
£18,500
from your plan
Lifestyle additions
£0
none selected
Combined total
£18,500
funded through RetroFi
Mobility & accessAdaptation works
Stairlift
Straight or curved rail. Restores safe access to all floors.
Cost£2,500–£4,500
EPC impactNo EPC change
Wheelchair ramp
Permanent step-free access to front or rear entrance.
Cost£1,000–£3,000
EPC impactNo EPC change
Grab rails & handrails
Throughout bathroom, toilet, hallway and staircase.
Cost£500–£1,200
EPC impactNo EPC change
Through-floor lift
Compact home lift between floors. Wheelchair accessible.
Cost£12,000–£24,000
EPC impactNo EPC change
Bathroom & facilitiesAdaptation works
Wet room / walk-in shower
Slip-resistant flooring and fold-down seat.
Cost£4,000–£8,000
EPC impactNo EPC change
Ground floor disabled toilet
Wider doorway, raised toilet and support rails.
Cost£3,000–£7,000
EPC impactNo EPC change
Walk-in bath
Side-entry door, non-slip base, handheld shower.
Cost£2,500–£5,500
EPC impactNo EPC change
Wider doorways
900mm standard. Essential for wheelchair users.
Cost£1,500–£4,500
EPC impactNo EPC change
Living spaceAdaptation works
GF bedroom conversion
Convert a ground floor room. Remove reliance on stairs.
Cost£8,000–£16,000
EPC impactNo EPC change
Accessible kitchen
Lowered worktops, pull-out shelving, lever taps.
Cost£4,000–£10,000
EPC impactNo EPC change
Non-slip safety flooring
Anti-slip throughout hallways, bathroom and kitchen.
Cost£2,000–£6,000
EPC impactNo EPC change
Smart lighting & sensors
Motion-activated lighting on stairs, landings and halls.
Cost£1,200–£3,000
EPC impactNo EPC change
Safety, security & green extrasAdaptation works
Telecare & fall alarm system
Wearable pendant or wall alarm, 24/7 monitored response.
Cost£300–£900
EPC impactNo EPC change
Smart locks & video doorbell
See and speak to visitors remotely; keyless, easy-grip entry.
Cost£400–£1,400
EPC impactNo EPC change
EV charge point
Home charger for an electric vehicle. Doesn't affect your EPC score, but funded the same way.
Cost£800–£1,200
EPC impactNo EPC change
Your complete RetroFi plan: cost summary
Energy improvements£18,500
Lifestyle adaptationsNone yet
Total through RetroFi£18,500
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Step 4 of 7: your results
Here's what your RetroFi plan could do
Based on your home and the improvements you've chosen. These are indicative figures. Your adviser confirms everything.
EPC improvement
D → B
+36 estimated SAP points
Property value uplift
+£28,000
indicative uplift
Annual bill saving
£1,390
estimated per year
EPC rating in detail
Moving from SAP 45 (band D) to an estimated SAP 81 (band B)
G
F
E
Now
DC
After
BA
Annual energy bill savings
10-year bill saving
£13,900
at today's prices
Property uplift
+£28,000
D → B improvement
Combined benefit
£41,900
created by your plan
These are indicative estimates only, not a guarantee of outcomes. Energy savings depend on usage and future tariff changes. Property value uplift is a conservative estimate based on published UK house price research for your EPC band improvement. Actual impact varies by property and location and will be confirmed by an independent valuation before any offer is made. This is not a personalised financial recommendation.
RetroFi
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Home
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Energy
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Plan
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Results
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Estimate
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How it works
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Step 5 of 7
How much could RetroFi unlock for you?
RetroFi applies your loan-to-value to the future value of your improved home, not today's value. Adjust your age to see how your estimate changes.
Application type & age
Single applicant
One person applying
Joint applicants
Couple applying together
Your age
Standard
lifetime mortgage
lifetime mortgage
Based on today's value
LTV applied to your current value of £350,000
Property value£350,000
LTV band35%
Max loan available
£122,500
at standard market LTV
Your RetroFi
plan
plan
Based on your improved home
Same LTV applied to post-improvement value of £378,000
Post-improvement value£378,000
LTV band35%
Max RetroFi loan
£132,300
unlocked by your improved home
The RetroFi advantageSame rate, higher value, because your improved home is worth more
+£9,800
How your loan is structured
Energy improvement works£18,500
Lifestyle adaptations£9,300
Total works (paid to contractors)£27,800
Estimated surplus to you£104,500
How would you like your surplus? With a lump sum RetroFi plan, this is paid to your bank account on completion. Or choose a flexible RetroFi plan and draw from your surplus whenever you need it, in whole or in part. Your adviser will explain both options.
Total RetroFi loan£132,300
Illustrative interest rate
5.5% – 7.5%
Fixed for life. ERC average 7.24% APR Q2 2025. Your rate confirmed by adviser.
No monthly payments required
Interest rolls up
Interest compounds annually. Voluntary repayments can be made any time to reduce the balance.
Important: how compound interest works
Because no monthly repayments are required, interest is added to your loan each year. At 6.5%, a £132,300 loan becomes approximately £256,000 after 15 years if no repayments are made. Your adviser will provide a full personalised illustration. A no negative equity guarantee means you will never owe more than the value of your home.
This is an indicative estimate only, not a personalised recommendation or mortgage offer. You must receive advice from a qualified, FCA-authorised equity release adviser before proceeding. Your home may be repossessed if you do not keep up with any agreed repayments.
RetroFi
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6
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Step 6 of 7
We will handle everything. You just say yes at each step
RetroFi is not yet live. Once we launch, RetroFi will manage the entire improvement process for you. Here's exactly what will happen, in order.
1
Your adviser reviews your plan
Once RetroFi launches, a qualified, regulated adviser will call you, usually within 24 hours. They'll go through your estimate, answer every question, and check the plan is right for you. No pressure, no rush.
Independent advice, required by law
Your adviser must consider all alternatives before recommending RetroFi. This protects you.
Family welcome at every stage
Just let us know and we'll arrange a time that suits everyone.
Typically within 24 hours
2
Your works will be agreed and costed
Our trusted partners will survey your home and confirm exact costs. You will approve the full schedule before anything is signed, and your solicitor will review the mortgage offer independently.
You approve the full works schedule
Nothing starts until you're completely happy. You are in control at every stage.
Your own independent solicitor
You choose your own solicitor, not one appointed by RetroFi. This is your right.
Typically 2–4 weeks
3
RetroFi will approve your mortgage
Once your works schedule is agreed and post-improvement valuation confirmed, RetroFi will issue your mortgage offer. You will have time to consider it. There is no obligation to proceed at any point.
Post-improvement valuation
Confirms your home's post-works value. This is the number RetroFi will use for your maximum loan.
Your personalised mortgage illustration
A full Key Facts Illustration showing exactly what you're borrowing and how interest compounds.
4
Our partners will carry out your works
Your partners will begin the agreed improvements. RetroFi will only release payment to contractors when you confirm you're satisfied at each milestone.
30%
Mobilisation
On confirmed start date
40%
Practical completion
On your sign-off
30%
Final completion
After quality check
5
Your surplus: your choice of how to receive it
Once all works are complete, any loan balance remaining after the works cost will be yours. Importantly, you will choose how you receive it. There is no single fixed way.
Lump sum RetroFi plan
Your full surplus, based on your estimate approximately £104,500, is paid directly to your bank account on completion. Use it however you choose.
Flexible RetroFi plan
Prefer not to take everything at once? With a flexible RetroFi plan, your surplus is held in a pre-agreed facility and you draw from it when you need it, in whole or in part, at a time of your choosing. Interest only accrues on what you draw.
No negative equity guarantee on either plan
You will never owe more than the value of your home, regardless of how long you live there or which plan you choose.
Your RetroFi trusted partners
Bell Group
One of the largest service and maintenance contractors in the UK with over 35 years of experience. We provide services to over 350,000 properties each year across the UK. Their 37 branches directly employ 2,500 local staff and operatives across the length and breadth of the UK.
Octopus Energy
One of the most awarded UK energy suppliers powering over 10 million homes in Britain and abroad with award-winning customer service and innovative green energy offers, while building a more sustainable and fairer energy system for tomorrow.
Your RetroFi protections
Your interest rate is locked on day one and can never increase, regardless of what happens to wider interest rates.
Your home is your home. You cannot be asked to move or sell, regardless of how long you live there or how the loan balance grows.
No monthly payments are required, but you can make voluntary repayments whenever you wish to reduce your balance.
If you move to another suitable property, your RetroFi plan is portable. Your rate and terms stay with you.
Involve your family in every step
Many customers find it helpful and comforting to involve a family member, partner, or trusted friend. On the next screen, let us know who you'd like included and we'll make sure they're part of the conversation from the start.
Built to Equity Release Council standards
RetroFi is not yet live and is not yet a member of the Equity Release Council, the UK industry body setting consumer protection rules for lifetime mortgages. We are designing every plan to meet its standards ahead of launch.
RetroFi
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Home
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Energy
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Plan
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How it works
7
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Thank you, Margaret
You're on the RetroFi waitlist. Your indicative plan summary has been sent to your email. We'll be in touch as soon as RetroFi launches.
Total works cost
£27,800
Max RetroFi loan
£132,300
EPC improvement
D → B
Annual bill saving
~£1,390/yr
What happens next
1
We'll let you know as soon as RetroFi launches, so you can speak to an adviser about your financial plan and estimate in full.
2
Once live, your adviser will arrange a full suitability assessment, at a time that suits you and any family members you'd like involved.
3
Our trusted partners will survey your home and confirm exact works costs before anything is agreed or signed.
4
You'll receive a formal mortgage illustration, giving you everything needed to make a fully informed decision, in your own time.