EPC ratings and commercial mortgages
A property’s energy rating can affect which lenders will help. Here is the short version.
Written by Matt Vincent DipFA, CeMAP, CeRER, BSc · Published 25 June 2026 · Version 1.0 · 3 min readAn EPC (Energy Performance Certificate) rates a property's energy efficiency from A (most efficient) to G (least). It's the same idea as the energy label on a fridge or washing machine.
Why lenders care
Energy efficiency is increasingly tied to the rules around letting commercial property, and to lenders' own preferences. Some lenders price more keenly for efficient buildings, and a few will only lend above a minimum rating. A poor rating doesn't necessarily stop you borrowing, but it can narrow your options.
You can find a property's certificate on the government EPC register.
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This guide was published on 25 June 2026 (version 1.0) and reflects our understanding at that time. It is general information about commercial mortgages, not financial advice or a recommendation. Lending criteria, interest rates and tax rules change over time, so please confirm current details with a qualified advisor before acting. Reference: PL-CM-EPC-v10.