What You Need to Know When Buying or Selling

If you're buying or selling a property in the UK, there's one document you can’t afford to ignore: the Energy Performance Certificate (EPC). It not only tells you how energy-efficient a home is, but it can also influence the property's value, running costs, and even your mortgage eligibility.

What Is an EPC?

An EPC is a legal requirement for nearly all homes being sold or rented in the UK. It rates the energy efficiency of a property on a scale from A (most efficient) to G (least efficient), and includes:

• Estimated energy costs
• A summary of energy performance features
• Recommendations to improve efficiency

Why Does It Matter?

• For Buyers: A better EPC rating usually means lower energy bills.
• For Sellers: A higher rating can make your property more attractive and potentially increase its value.
• For Landlords: You legally need a rating of E or above to rent out a property — and upcoming changes may raise this requirement to C in future years.

How to Improve an EPC Rating

If your EPC rating is low, here are some upgrades that could help:

• Installing loft or wall insulation
• Upgrading to a modern boiler or heating system
• Switching to LED lighting
• Adding double or triple glazing
• Using renewable energy sources like solar panels

Government-backed schemes and local grants may help cover the cost of some improvements.

How Long Does an EPC Last?

An EPC is valid for 10 years, but if you’ve made energy upgrades since your last assessment, it’s worth getting a new one before selling to reflect the improved rating.

What If a Property Has No EPC?

It’s a legal requirement to have a valid EPC when a property is put on the market. Sellers or landlords without one could face a fine, and estate agents typically won’t list your property without it.

EPCs and Green Mortgages

Some lenders now offer green mortgage incentives for properties with high EPC ratings. This could mean better rates or cashback offers, especially if you’re buying an energy-efficient new build.

how we can help

At Windsor Hill Mortgages, we work with buyers, sellers, and landlords to:

• Understand how EPCs affect your mortgage options
• Navigate energy efficiency improvements
• Access green mortgage products