Upcoming EPC Regulation Changes: What UK Landlords Need to Know Before 2028
- emily5888
- Apr 2
- 2 min read
Updated: Apr 3
As a UK landlord, staying ahead of legislative changes is essential to keeping your property portfolio profitable—and compliant. One major shift on the horizon is the proposed update to EPC regulations (Energy Performance Certificates) that will impact all rental properties in England and Wales by 2028.
Here at Model Financial Solutions, we’re helping landlords across the UK navigate these changes with confidence, especially if you're planning to remortgage or review your buy-to-let strategy in 2025 or beyond.
What Are the Proposed EPC Changes for Landlords?
The UK government has proposed that all rental properties will be required to meet a minimum EPC rating of ‘C’ or above for all new tenancies by 2028.
While the legislation is not yet finalised, the expectation is that:
From 2030, all rental properties (including existing tenancies) must have an EPC rating of C or higher.
These changes are part of a wider push to improve energy efficiency and reduce the carbon footprint of homes across the UK.
Why Landlords Need to Act Now
While 2028 might seem far away, preparing early can save you significant time, money, and stress. The average cost to bring a rental property up to EPC grade C is currently estimated to be around £6,800 per property, depending on the type, age, and existing condition of your property.
If you're due to remortgage in 2025, this could be a smart time to review your mortgage and assess whether releasing equity to fund energy efficiency upgrades might work for you.
At Model Financial Solutions, we support landlords in:
Reviewing remortgage options to help fund EPC improvements
Planning around your buy-to-let portfolio goals
Understanding lender attitudes towards low-EPC properties
Staying compliant and avoiding future void periods or fines
What Types of Improvements Might Be Needed?
To reach an EPC grade C, common upgrades may include:
Installing or improving loft and wall insulation
Upgrading to a more efficient boiler or heating system
Replacing single-glazed windows with double or triple glazing
Adding renewable energy sources such as solar panels
Each property is different, which is why it’s so important to carry out an EPC review early and get professional advice on both the renovation work and your financial strategy.
Don’t Wait Until the Deadline
With thousands of UK landlords potentially needing to upgrade their properties, there’s likely to be high demand for tradespeople and rising costs as 2028 draws nearer.
By acting early, you’ll give yourself:
More time to plan and budget
More mortgage options with competitive rates
Less pressure as regulations come into force
How Model Financial Solutions Can Help
We specialise in helping UK landlords make smart, forward-thinking financial decisions. Whether you’re looking to remortgage a single property or restructure a larger portfolio, we can guide you through the process with expert advice tailored to your needs.
Source: Department of Energy & Net Zero https://assets.publishing.service.gov.uk/media/67a4e511baccec3af36b3c70/improving-the-energy-performance-of-prs-homes-consultation-document.pdf
Not all Buy to Let Mortgages are regulated by The Financial Conduct Authority. You may have to pay an early repayment charge to your existing lender if you remortgage. Your property may be repossessed if you do not keep up repayments on your mortgage.
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