For Intermediaries Only

No energy bills. No rising mortgage payments. No shocks.

Octopus Energy character with solar panels

Give your clients a
proposition with no shocks!

The future of homes is here. And we have designed an innovative mortgage to go hand in hand. Say hello to the Perenna Zero Bills mortgage!

If your client buys a Zero Bills™ home, we know they won’t have energy costs, so we’ve factored that into our affordability assessment. This means they can responsibly borrow more with us. Plus, they’ll receive all the usual benefits of a Perenna mortgage, meaning they can leave their worries at the door and enjoy:

  • Increased borrowing power – borrow up to 6 times income, subject to criteria
  • Monthly payments that don’t change
  • Short early repayment charge to give flexibility
  • No maximum age caps, giving more options in later life

Octopus has created a first-of-its-kind energy tariff providing zero bills for at least five years, guaranteed. Available on brand new, specially built Zero Bills™ homes. Limits and exclusions apply.


Boost their borrowing power

If your client is looking for a Zero Bills™ home, try out our tailored affordability calculator to see how the Perenna Zero Bills Mortgage could be the perfect match. The affordability boost could be worth up to £38k¹.

Rewarding Zero Bills™ customers with a green discount

And it doesn’t stop there. The Zero Bills Mortgage is priced lower than our standard range so that we can reward your client for choosing a home which is Net Zero ready.


¹Affordability boost assumes dual applicants with 3 child dependants, an initial rate of 5.65%, and a Zero Bills discounted rate of 5.50%.