BTL landlords shift towards energy-efficient homes ahead of 2030 EPC changes
Original Article Summary
Landlords are increasingly targeting properties with higher energy efficiency
PropMatch Curated Analysis
Paragon Bank's H1 2026 results show EPC A-C properties now account for 56.4% of new BTL lending, up from 49.9% a year earlier, as landlords increasingly target energy-efficient homes ahead of the proposed 2030 minimum EPC requirements. The lender offers preferential green mortgage pricing, signalling that EPC rating is becoming a material financing variable.
Investor Relevance
BTL investors face a structural financing bifurcation: EPC A-C properties attract preferential mortgage pricing and growing lender appetite, while lower-rated stock faces increasing risk of reduced liquidity, higher borrowing costs, and regulatory non-compliance post-2030. The data signals that the market is already repricing this risk, making EPC rating a key acquisition and portfolio management criterion.
Original Source:
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