Energy Efficient Buy to Let Mortgages
Support your clients in choosing more energy efficient properties with potential access to enhanced mortgage options.
Our Energy Efficient Buy to Let mortgages are designed for clients purchasing or remortgaging properties with an Energy Performance Certificate (EPC) rating of A, B or C. These products could offer your clients better rates or incentives compared to our standard Buy to Let range, depending on eligibility and product availability.
Why consider Energy Efficient Buy to Let?
These mortgages could be suitable for clients who:
- Are investing in properties with an EPC rating of A-C
- Want to explore potential access to preferential rates or incentives
- Are looking for flexibility in affordability assessments, including Top Slicing.
Key features:
- Available for both purchase and remortgage
- Up to 75% Loan to Value (LTV)
- Maximum individual loan of £750,000
- Maximum portfolio size of 3 mortgaged Buy to Let properties per applicant across all lenders, including Bank of Ireland Group.
Affordability options:
- ICR (Interest Cover Ratio): Based on rental income alone
- Top Slicing: Combines rental income with personal income to support higher borrowing potential (Top Slicing requires a minimum property value of £100,000 and a minimum household income of £40,000).
Criteria at a glance:
- EPC rating of A-C required
- Rental income must meet minimum thresholds (depending on the affordability route)
- Up to a maximum of 4 applicants, all living at the same residential address (with at least 1 homeowner).
How to check a property's EPC rating:
To confirm whether a property meets the EPC A-C requirement, you can check the property's Energy Performance Certificate (EPC) using the official government registers.
Before you start, you’ll need one of the following:
- The property’s postcode
- The street name and town
- Or the EPC certificate number (if available).
For properties in England, Wales, and Northern Ireland, visit:
For properties in Scotland, visit:
If the property doesn’t have a valid EPC or the certificate has expired, your client will need to arrange a new assessment through an accredited domestic energy assessor. This is essential before the valuation is carried out.
Next steps?
Explore our full Buy to Let lending criteria
Check your client's suitability for our Energy Efficient mortgages
Search our Buy to Let products
See our current rates for Energy Efficient mortgages