Tomorrow’s homes are here today
23/07/2026
On Thursday 23 July, we introduced a new proposition offering enhanced affordability for your clients buying Octopus Zero Bills new build homes.
Santander is the first major lender to offer an Octopus Zero Bills proposition, which marks our early adoption of supporting our customers to live in the homes of tomorrow, today.
What’s Octopus Zero Bills?
Octopus Zero Bills homes are eligible for Octopus Energy's world-first smart tariff, Zero Bills. These homes combine solar PV, battery storage and heat pumps with the Octopus tariff to deliver no energy bills for the home, guaranteed by Octopus for at least 10 years.
What does this mean for my client?
It gives your client:
- zero home energy bills for at least 10 years, guaranteed by Octopus
- peace of mind from being protected against future energy price rises
- EPC A-rated energy-efficient homes
- flexibility to borrow more with us (due to removing energy bills from our affordability assessment).
A borrowing game changer, for game-changing homes
Our enhanced affordability for Octopus Zero Bills new build homes could also make a material difference to how much your clients could borrow.
Your clients could unlock up to £29k more borrowing when buying an Octopus Zero Bills home. Subject to loan to income thresholds.
Head to our Octopus Zero Bills new build page to find out:
- the extra borrowing amounts for different property sizes and mortgage terms
- how the enhanced affordability works from an underwriting perspective
- how to submit these cases.
Fair use allowance, limits, exclusions and T&Cs apply. EV charging is not included.