Building a Greener Society
Find out how to make your home more energy efficient and what we are doing to reduce our emissions.
Make your home more energy efficient
Snugg can help customers finds ways to make their home more energy efficient by offering a free personalised home energy improvement plan.
The plan includes:
Your current energy performance rating (if an official EPC is registered, this will be used; otherwise, an estimated rating will be provided)
Explore changes you could make to improve how energy efficient your home is
How these changes can improve your energy performance rating
Check to see if you are eligible for any government grants to help fund these improvements
Find a trusted installer
You must be 18+ and a UK resident to use Snugg’s services. YBS is an introducer to Snugg and does not receive any commission for this introduction. We can’t give advice or provide any assurances about the services they provide. So think carefully when deciding if the services they recommend are right for you. By clicking on the Snugg link, you will be leaving the YBS website.
What is an EPC?
EPC stands for Energy Performance Certificate.
It is a grade from A to G that tells you how energy efficient a property is.
A is the best rating, G is the worst.
Making changes, like solar panels or insulation, could improve your EPC rating.
Energy saving trust
Tips and advice for using less energy and cutting down your monthly bills.
The green deal
A loan from the government to carry out energy saving changes to your home.
Energy efficient home
Find out more about the actions you can take now to make your home more energy efficient.
Retrofitting your home
Retrofitting means making changes to your home so it becomes more energy efficient.
This could mean installing insulation, upgrading your windows, or making changes to your heating. Find out what you can do to make your home more energy efficient.
This could mean installing insulation, upgrading your windows, or making changes to your heating. Find out what you can do to make your home more energy efficient.
Our carbon footprint
We’re working hard to reduce our impact on the environment and become more sustainable.
We’re doing this by:
We’re doing this by:
Measuring our impact.
Partnering with the Yorkshire and Humber Climate Commission to support local change.
We’re also part of the Building Societies Association Green Finance Taskforce.
Our carbon emissions for 2023 and 2024
| 2025 location based emissions (tCO2e) | 2024 location based emissions (tCO2e) | ||
|---|---|---|---|
| Scope 1 | Direct emissions from our own operations and assets we directly control or own, such as gas usage. | 892 | 688 |
| Scope 2 | Indirect emissions linked to the purchase of electricity in our operations. | 1,270 | 1,687 |
| Scope 3 | Indirect emissions from sources not owned or controlled by us but are part of our value chain. This includes employee commuting and waste generation. | 4,569 | 4,459 |
| Total | 6,731 | 6,834 | |
We continue to purchase renewable gas and electricity, backed by certificates.
We have also calculated our supply chain emissions and emissions from residential and commercial lending, whjich can be found in our 2025 Annual Report and Accounts.
Scope 3 emissions have increased mainly due to greater homeworking and commuting emissions. This is in part due to employing more people.
We expect our carbon footprint to fluctuate over the next few years. This is because we're improving how we collect data and report on it, whilst also implementing reduction measures.
A full breakdown of our emissions is on page 48 of our 2025 Annual Report and Accounts.
Our commitment to achieving Net Zero
By 2030, we are targeting Net Zero in our Scope 1 emissions on a location-basis, and in our Scope 2 emissions on a market-basis - which we have already achieved by purchasing renewable electricity.
By 2050, we want to achieve Net Zero in our Scope 3 emissions.