EPC Loans and Mortgages

In 2015 the government introduced the Minimum Energy Efficiency Standard (MEES) that requires landlords to reach an Energy Performance Certificate (EPC) rating of C or above. Under the proposed changes, by 2025 all newly rented properties will need to have reached this target. This will be extended to all rental properties by 2028.

Newable Finance’s EPC Finance encompasses a range of finance products to support portfolio and professional landlords with improving their existing properties to an EPC rating of c or above, once the refurbishment has taken place we can then advise on an exit strategy for this loan and source landlords a green mortgage which is much cheaper than a traditional buy to let mortgage.

We can also help landlords who already have properties with an EPC rating of C or above, by refinancing their current mortgage to a green mortgage with cheaper rates.

EPC Finance can either be a short-term loan for refurbishment and can be secured against property or land. It can also include long term mortgages, similar to a buy to let mortgage, but much cheaper.

We can lend up to 100% LTV, with additional security.

Get in touch with our EPC funding specialists today, to find out what solution is right for your requirements.

EPC Finance is suitable for landlords who want to refurbish their properties to ensure they are EPC C or above, or landlords who have properties with an EPC rating of between A-C and want to refinance their existing buy to let mortgage and benefit from a cheaper “green” mortgage.

Contact us today today on the form below, to find out more!

EPC Finance can be used for refurbishments of your properties or to refinance your existing buy to let mortgage to a cheaper rate.

Funding will cover any refurbishments such as:

• Cavity wall insulation
• Roof insulation
• Draught proofing
• Replace boiler with new condensing boiler or biomass boiler
• Double or triple glazing
• Renewable energy installations such as solar panels, solar water heating
• Installing an efficient secondary heating source
• Air of ground source heat pumps
• External insulations
• Micro-CHP

• The amount you are looking to borrow
• Details of the security and its valuation, both before and after development or refurbishment
• Costs and timelines for any refurbishment or development activity
• Planning permissions, if applicable
• Information about you and any other applicants and guarantors
• Your repayment proposals

1.  Fill out the form in less than one minute, with some basic information about you.

2.  A dedicated advisor will be in touch with you within 24 hours, between our working hours of Monday – Friday taking the time to understand your specific requirements. We will then request a few more details from you.

3.  With direct access to 150+ lenders we will then find the best deal for you. With no fee charged unless we have successfully supplied you with funding.

4. After the enquiry stage you will go through valuation, underwriting, legals until we complete.

There are more than 150 specialist property lenders, each with their own rates, credit appetite and geographic focus.

EPC Finance brokers will have decades of knowledge working with landlords and can help position your deal with the most appropriate lenders to finance your loan or mortgage. EPC finance can be secured relatively quickly and using a broker can help you secure it even faster.

EPC refurbishment finance will allow you to access funds quickly. With the lack of skilled labour in the market, landlords need to start refurbishing their properties quickly to beat the rush. Once these refurbishments have taken place these landlords can then benefit from a “green” buy to let mortgage, which is cheaper than traditional buy to let mortgages. Given that borrowing and the cost of living is at an all time high and set to increase, futureproof your portfolio now.

EPC refinance will allow landlords who already have properties with an EPC rating of A-C benefit from cheaper rates than a traditional buy to let mortgage.

We boast a 4.9/5 rating on Trustpilot, so let us help you source the most competitive rates on the market. We won’t charge a fee unless we successfully source you the finance you need! Get in touch today.

Yes absolutely. Our specialist advisors have 300 years of experience between them, to advise you on the best exit strategy for your EPC refurbishment finance, and can source you a specialist “green” finance buy to let mortgage which is much cheaper than a traditional buy to let mortgage. Get in touch today to find out more!

EPC Finance interest rates in the UK vary depending which product is suitable for your needs. Get in touch today, and we will provide you with free, independent advice.

For EPC Finance you can borrow up to 80% LTV (Loan-to-Value) or up to 100% LTV of the purchase price with additional security.

You can obtain an EPC loan or mortgage between £25k and £20million

We are on a mission to help landlords get the best financial advice and service.

As EPC loan and mortgage brokers, Newable Finance have access to 150+ lenders across the UK. Due to our handpicked and specialist panel of lenders, we have access to preferential rates to get you the most competitive deal on the market.

We pride ourselves on speed, transparency, efficiency and flexibility, and offer a 24/7 live chat service to make getting in touch as easy as possible.

We are renowned for our outstanding customer service and boast a 4.9/5 star rating on Trustpilot, which demonstrates what our customers really think about us.

We provide a free, independent advisory service and we don’t charge a fee for funding unless we successfully source you the finance you need!