One of the products aims to incentivise clients to make EPC improvements. 

Clients purchasing a residential property will benefit from a 1% refund of the total gross loan amount on redemption, when improvements to the EPC rating are made.

A minimum rating of an E is required, and the product is available on purchases and capital raises.

The other product, aimed at social housing and charities, offers up to 85% gross LTV on residential purchases, and up to 75% gross LTV on commercial. 

It is available when there is a signed agreement for lease in place with a housing association, registered provider, registered charity, or community interest companies, and must have a minimum of five years unexpired.

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Michael Stratton, CEO and founder of MS Lending Group (pictured above), said: “ESG has been high on the agenda for MS Lending Group for some time, and I am extremely excited and proud that we have been able to launch these market leading products. 

“These products are a result of research and, most importantly, strong customer feedback.  

“They will not only help our customers during their acquisition/refurbishment stage, but with their onward exit — be it longer-term finance or sale.

“The 1%, coupled with the enhanced LTVs, highlight how committed we are as a lender to integrating ESG factors into our funding decisions and processes.”

In its first year of trading, the lender funded over £25m of business and, this month, appointed Rob Goodall as its managing director.