November 5, 2025

Get the Lendco Lowdown:

EPC Changes Are Coming & Here’s What Brokers Need to Know…

As sustainability moves up the agenda, landlords face growing pressure to improve the energy efficiency of their properties. At Lendco, we want our broker partners to be fully prepared for the upcoming EPC changes that will reshape the buy-to-let market.

While enforcement deadlines may soften, tighter EPC rules are still expected and brokers will play a key role in guiding landlords through what’s ahead.

What’s Changing?

Currently, rental properties in England and Wales must have an EPC rating of E or above. Under proposed legislation, this is set to rise to a minimum of EPC C for new tenancies by 2028, and by 2030 for existing ones. These dates could shift, but the overall direction of travel is clear, and landlords who fail to meet the standards in time could face fines or lose the ability to let their properties.

Why This Matters for Brokers

Brokers are uniquely placed to help clients prepare. Many landlords will need finance to upgrade their properties whether via remortgage, further advance, or a bridge-to-let strategy during works.

At Lendco, we’re already seeing applications where EPC improvements are a key part of the plan and starting these conversations early enhances your value as a broker and protects clients from last minute issues.

The Cost of Upgrades and How to Fund Them

Upgrading to EPC C can cost thousands. Common improvements include:

  • Loft and wall insulation
  • Double/triple glazing
  • Boiler upgrades or heat pumps
  • Solar panels and smart meters

Many landlords will need capital to fund these improvements and Lendco offers flexible finance solutions including:

  • Remortgage solutions for properties being upgraded
  • Bridging finance for acquisition and improvement
  • Bridge to Let options with simultaneous underwriting and a discount on the exit
How Brokers Can Help
  1. Start the conversation early
  2. Discuss finance options
  3. Highlight opportunities in low EPC purchases
  4. Keep clients informed on regulation changes

At Lendco, we’re here to support you and your clients through these changes. If you would like to discuss how we can help fund improvements, get in touch with your BDM on 0333 414 1495 or visit our website.

 

About Lendco

Lendco are a specialist BTL and Bridging lender, formed in 2018 with the aim of eradicating some of the frustrations experienced by intermediaries in the UK mortgage market. We understand what it means to be an intermediary and the challenges that can come when servicing professional property investors. We pride ourselves on making common sense lending decisions quickly.

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About Fiducia Commercial Network

Fiducia Commercial Network is a commercial finance ‘Appointed Representative’ network created to allow independent firms to provide commercial property finance and trading business finance options to their existing client base and network.

Joining the network provides opportunities for professional brokers to offer a full range of commercial finance solutions by acting as an Appointed Representative (AR) with the full support of the Fiducia Commercial Network team.

The Fiducia Commercial Network membership includes FCA authorisation and reporting, PI insurance, and NACFB membership, plus business, compliance, finance, system, and admin support from a company with over 20 years’ experience in commercial finance.

If you’d like to discuss joining Fiducia Commercial Network or you’d like to apply to become an Appointed Representative…

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To discuss Fiducia Commercial Network or to apply to become an Appointed Representative email the team via by clicking this link.

For all media and marketing enquiries contact –  pr@fiduciagroup.co.uk