The O’Connors are a young family who bought their first home, a 3 bed semi-detached house a couple of years ago. The house was built in the 1950s and had an E1 energy rating. Their heating bills are very expensive.

Following the initial CU Greener Homes consultation, the O’Connors went ahead with a deep analysis* of their building fabric and energy upgrade requirements prior to works commencing. This specialised technical assessment included a Building Energy Rating.

These reports were discussed in detail with the O’Connors and an upgrade package was designed that suited their requirements and guaranteed a post-works BER of B2. The package included the installation of wall and attic insulation, new windows and doors as well as a full heating system upgrade.

This energy improvement and BER uplift secured grant funding of €14,000 including additional Energia support

Project Cost – €35,000
Less SEAI Grant – €12,250
Less Energia Support – €1,750
Net Project Cost – €21,000

Credit Union Loan – To help fund the project, the O’Connors borrowed €20,000 from their local credit union . As their home was being upgraded to a B2 energy rating, they qualified for a loan rate of 5.8% (5.96% APR**). With a 10-year loan, their monthly loan repayment was €220.04.

A further BER was conducted post works to ensure the home had achieved a BER of B2. The O’Connors home is now much warmer and more energy efficient. Their heating bills have dropped dramatically.

* Initial Survey (Pre works BER, Tech Assessment, Proposed Works, + Link to software calculation) cost was €676.50 (inclusive of VAT @23%)

** A €20,000 home improvement loan over 10 years at a 5.8% interest rate (5.96% APR) has 120 monthly repayments of €220.04. The total amount repayable is €26,400.28