Buy to let mortgage offers now insist minimum EPC rating is met.

Since 1st April, buy to let mortgage offers now insist that a minimum EPC rating of ‘E’ is met.

This is because it is now illegal for landlords to rent to a new tenant or renew an agreement without having the appropriate Energy Performance Certificate.

If your property doesn’t have and EPC or it has a rating of less than ‘E’, your mortgage application could be delayed or even rejected entirely.


Privately rented properties must have the EPC in place but commercial properties may be given a discretionary 3 months to comply from the date of completion, depending on the lender.

Given the current challenges landlords are already facing, having an expert like Deal Direct on your side could prove be extremely beneficial. We’ll use the strength of the relationships we’ve built with lenders to negotiate the best terms possible for you, which could include a period of grace when it comes to upgrading your EPC rating.

Please not, though, that we are regulated to offer independent mortgage advice; however, we are not regulated to offer general financial advice. If you want to discuss the suitability of a property as an investment, you will need to contact an independent financial adviser. 

Buy to let mortgage applications from:

  • applicants whose intention is to benefit from house price growth
  • applicants whose intention is to benefit from rental income
  • applicants who are letting to buy

will be treated as a normal buy to let and not as a consumer buy to let. In addition, their subsequent remortgage applications will also be treated in the same manner.

Want a lender with a flexible lending policy? Contact Deal Direct on 0800 048 8828.

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Article published: Wednesday, May 16, 2018
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