Landlords should be aware that it will be against the law in England and Wales to grant a new tenancy, to either new or existing tenants you’re your property doesn’t have an Energy Performance Certificate rating of ‘E’ or above.

It should also be noted that mortgage providers will no longer lend on properties that fall below an ‘E’ rating unless they have a valid exemption, which will affect all home owners if they intend to sell such properties.

If a privately rented property falls below the minimum EPC rating, a landlord will need to carry out ‘relevant energy efficiency improvements’ to bring it up to an ‘E’ or above – although you may be able to obtain Green Deal finance to do carry out the work if the property does not qualify for an exemption.

The Green Deal is a scheme designed by government to help homeowners and landlords invest in renewable energy or energy efficient products, by providing them with attractive finance, which they repay through their electricity bills.

Here at The Financial Planning Group, we pride ourselves on being to offer our clients mortgage products from the whole market, which opens up so many more options and offers – we have 25 years experience in helping families find the perfect low-rate deals and ensuring that the financial side of moving home is as stress free as possible.

If you would like to speak about your mortgage or re-mortgage, and secure one of the record low deals that are currently available, please feel call Steve Padgham on 020 8614 4782 or email

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