Funding EPC Improvements: What landlords need to know (8th July 2026)

Funding EPC Improvements: What landlords need to know

8th July 2026

Minimum energy efficiency requirements for privately rented properties are expected to increase from an EPC rating of E to C by 1 October 2030. While the proposed deadline is still several years away, many landlords are likely to already be considering what property improvements may be needed in the years ahead.

The cost of improving a property's EPC rating can vary considerably. Relatively straightforward measures such as loft insulation or upgraded heating controls may cost a few hundred pounds. More substantial improvements, such as cavity wall insulation or replacing an older boiler, can run into thousands. *

As a result, energy efficiency improvements are becoming an increasingly important consideration when planning future property expenditure, refinancing or remortgaging decisions.

Why it makes sense to plan ahead

The proposed 2030 deadline may still be several years away, but landlords who understand the likely cost and scope of any required improvements may find it easier to build those works into existing investment and maintenance plans.

A useful starting point is to review the current EPC rating of each property. Landlords can check an EPC online using the Government's EPC register. Once the current rating is known, it can become easier to understand what improvements may be required and the potential cost involved.

A review of a portfolio may identify properties that already meet the expected standard, alongside others that require more significant investment. Understanding where expenditure is likely to be needed can help prioritise works, budget more effectively and avoid unexpected costs in the future.

For many landlords, energy efficiency improvements are unlikely to happen in isolation. They may instead form part of wider refurbishment projects, planned maintenance works or longer-term investment decisions.

Could remortgaging help fund improvements?

Depending on individual circumstances, remortgaging may provide an opportunity to raise funds for property improvements. For landlords approaching the end of a mortgage deal, it may be worth considering whether anticipated EPC-related expenditure should form part of wider refinancing discussions.

Where sufficient equity exists, some lenders may allow additional borrowing as part of a remortgage application. This can provide an opportunity to review existing mortgage arrangements while also considering future investment requirements. As with any mortgage application, the amount that can be borrowed will depend on factors including lender criteria, property values and affordability assessments.

Taking a portfolio-wide approach

For landlords with multiple properties, funding decisions are not always made on a property-by-property basis. Mortgage reviews can provide an opportunity to assess borrowing requirements across a portfolio, helping landlords consider how planned improvements may fit within their wider investment strategy.

Looking at the portfolio as a whole may also help identify where expenditure is likely to have the greatest impact and how improvement works could be phased over time. In some circumstances, landlords may wish to consider planned improvements as part of wider refinancing discussions across their portfolio, depending on their individual circumstances and lender criteria.

Taking a broader view can help create a clearer picture of future expenditure and support more informed decision-making in the years ahead.

Whether improvements are funded through existing resources, incorporated into future refinancing plans or completed gradually over time, early planning may provide greater flexibility and help landlords make informed decisions for their properties and portfolios.

If you're considering a remortgage as part of your future property strategy, professional mortgage advice can help you understand the options available and how they may fit with your wider investment objectives.