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Should I buy a house with EPC rating G?

Jonas Kanhai
Jonas Kanhai
2025-12-13 10:35:56
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If you are buying a property with an EPC rating of G, mortgage companies will lend on properties with low EPC ratings, however, do expect them to make recommendations about potential improvements that could be made. The valuer will assess the EPC data and detail any works needed to bring the property to a minimum ‘E’ rating in the valuation report. The costs of any works will be reflected in the valuation figure, and this may affect the amount of borrowing possible on the property. If you are intending to rent out the property, it is now illegal to let any residential property with an EPC rating below E, so you will need to make improvements, such as insulation work, to improve any F or G rating. If your would-be rental property does not meet the required standard, your lender may refuse you a buy-to-let mortgage loan. You can either ask the current owners to make changes or complete them yourself before buying the house.
Nynke Molenaar
Nynke Molenaar
2025-12-13 09:06:50
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You should not necessarily be put off buying a property with a low EPC rating. Making an offer on a property with a low EPC rating may even give you some negotiating power while examining the environmental impact of the property. A property with an extremely low EPC rating may influence a mortgage provider’s decision due to its saleability and the high cost of improving it. The changes you can make to improve the rating will only add value to your home in the long-run. The average EPC rating of a home in England and Wales is D.

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Mads Aktaş
Mads Aktaş
2025-12-13 07:53:11
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It can sometimes be difficult to get a mortgage on a property with a low Energy Performance Certificate (EPC) rating. If the property you want to buy has an EPC below what we might expect and little room to improve it with recommended measures, you could find your application is rejected. It is unlikely that you would get a buy-to-let mortgage on that property.
Thijn Walsteijn
Thijn Walsteijn
2025-12-13 07:36:13
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You don’t need a minimum EPC rating to sell a property, but you must get your property EPC rated by an accredited assessor if it hasn’t been already. The worst EPC rating a property can receive is G. It is possible that lenders may decline your mortgage application if the EPC rating of the property is too low. This is especially the case if you are purchasing the property on a buy-to-let mortgage, as the legal minimum EPC rating for a rental property is E. Improving your EPC from an F or G to a C could add 19.6% in value.

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