HTB launches EPC refurb product

Hampshire Trust Bank (HTB) has introduced a new product for clients looking to improve their property’s EPC rating via refurbishment.

The Bridge EPC Refurb product consists of a six-month bridging loan, followed by a term loan.

If the property achieves an EPC rating of C or above in the first six months, the bank will discount the standard rate by 20 basis points and will pay for the new EPC certificate.

Louisa Sedgwick, managing director for specialist mortgages at HTB (pictured above), said: “The 2025 deadline for EPCs to have a rating of C or above for new tenancies is fast approaching and we are receiving an increasing number of enquiries from our broker partners who have clients looking to improve the energy efficiency of their properties.

“We are always striving to meet the demands of brokers and their clients and we believe we are meeting a real need with Bridge EPC Refurb, acknowledging that the live challenge we face is within the UK’s existing housing stock. 

“We have built this product in response to the growing requests from our intermediary partners to ensure they can offer a credible solution to landlords, allowing them to focus on getting their properties up to fast-approaching energy efficiency standards.”

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