Landlords could miss out on green mortgages due to expired EPCs

Paragon Bank shared results from a recent study which was undertaken where 57% out of 500 landlords had not arranged a new energy performance certificate (EPC) following upgrades designed to improve energy efficiency.

This means landlords will be missing out on ‘green’ mortgages which are typically available to homes that have EPC ratings of ‘A’ to ‘C’. Of those who had their properties checked for their energy efficiency following upgrades, almost a third (28%) had improved their EPC ratings. 14% reported that their EPC remained the same.

Other research by Pegasus Insight (on behalf of Paragon) where 900 landlords were surveyed showed that 60% owned at least one property with an EPC ‘D’ rating, while one in four have a property rated ‘E’, ‘F’ or ‘G’.

According to the National Residential Landlords Association (NRLA), 73% of landlords were concerned about the 2030 EPC target for their current properties.

Source: Mortgage Introducer

Recent posts

A recent study by Boon Brokers where 1,000 people who had used an estate agent over the last year were surveyed, showed that a whopping 52% said they were pressured into using the estate agents’ in-house mortgage broker.

Analysts are predicting further rate cuts this year, with the next one possibly coming down to 4% when the Bank of England’s Monetary Policy Committee meet on Thursday 7th August 2025.

The Financial Conduct Authority (FCA) has shared new changes to mortgage rules with the aim to simplify remortgaging, and encourage competition within the mortgage market.

Lloyds Banking Group has jumped on the bandwagon to boost lending for first-time buyers as they allocate an additional £4 billion to help first-time buyers on to the property ladder.

As the Loan to Income (LTI) cap has been increased to 5.5 times income, applicants who fit the First Time Buyer Boost criteria could borrow up to 22% more. 

The government is introducing mortgage reforms to boost homeownership, stimulate economic growth, and make the housing market more accessible, especially for first-time buyers.

Chancellor Rachel Reeves has announced the most significant mortgage reforms in over a decade—great news for those dreaming of homeownership.

Nationwide ease their ‘Helping Hand’ mortgage designed to help first-time buyers get onto the property ladder by allowing them to borrow up to six times their income.

 

Keeping the kids entertained over the six-week summer holidays isn’t always easy, especially with the cost-of-living making it even more difficult. Below is a list of fun, inexpensive ideas to do over the break

The Financial Conduct Authority (FCA) has published a discussion paper about the future of the mortgage market in a bid to improve access for first -time buyers, self-employed, and those borrowing in retirement.