⚠️Property EPC standards are tightening and they’re reshaping the UK commercial mortgage landscape ! If you're a property investor or developer, this is not a regulatory requirement but a financing filter as many commercial finance lenders are now offering discounts across their interest rates if a property hits the A to C EPC band. Industry insiders and landlord groups are also bracing for potential EPC related reforms in the upcoming Budget on 26 November 2025 so watch this space! Properties with sub-par EPC ratings are now potentially facing: 💠Limited lender appetite 💠Higher interest rates that properties with a better EPC rating 💠Reduced loan-to-value ratios 💠In some cases, outright rejection if the lender identifies any retrospective upgrades (e.g. heating, lighting, windows) that could potentially cost a packet! 💠Investors and landlords being faced with a mammoth bill if they are suddenly faced with a tonne of forced upgrades Energy efficient buildings on the other hand are being rewarded as lenders are offering potential discounts! If you're navigating similar pressures, feel free to reach out to me at sanjay@finances.house or feel free to book at meeting in at https://calendly.com/financeshouse as fresh pair of eyes might be just what you need!

Posted by Sanjay Majithia at 2025-10-29 09:47:32 UTC