My EPC rating is affecting my remortgage — what can I do?

First, separate the two questions

There are two different problems, and they need different answers. The lending question — what products you qualify for and on what terms — belongs to the lender or a qualified mortgage adviser. The certificate question — whether the EPC accurately records your property — is ours.

Practical steps

1. Pull up your certificate on the GOV.UK register and read the recorded elements: walls, roof, floor, glazing, main heating, controls, hot water, floor area.
2. Note anything you know to be different — insulation you had installed, a newer boiler, replacement windows, solar panels, a converted room measured incorrectly.
3. Collect evidence: invoices, installation or grant certificates, dated photographs, floorplans.
4. Speak to us for a free initial consultation before paying for anything.
5. Ask your adviser what band the product you want actually requires, so effort is aimed correctly.

What a review can and cannot achieve

We can review the assessment, identify discrepancies, explain what the entries mean, and where it is justified carry out a reinspection or a new assessment. We cannot edit another assessor's lodged certificate on request, and no assessor can promise you a band in advance. If the existing certificate looks correct, we will say so — that answer is often worth having too.

If the rating is accurate

Then the useful question becomes what would realistically move it: insulation, heating, controls, glazing or renewables, in the order that gives the best return for your property type. We can advise on that and reassess once works are complete.

Concerned your EPC may not accurately reflect your property? Start with a free initial consultation by phone, email or WhatsApp.

Official sources

• Find an energy certificate (GOV.UK)
• Halifax green mortgage and EPC information
• Barclays Green Home Mortgages