The Mortgage Works has launched a pilot support package for landlords with lower-rated properties, funding 1,000 assessments and rolling out discounted further-advance products ahead of the 2030 EPC C deadline. The lender’s own research says 67 percent of landlords did not know rented properties need to reach EPC C by 2030, while 73 percent were unclear on when the rules take effect.
The new package combines free assessments for landlords with homes rated D to G and Energy Efficiency Further Advance products priced at 2.99 percent. The offer is being piloted first, but TMW said it wants to test demand before a wider rollout.
That matters now because the deadline is no longer a distant policy argument. Landlords have already been raising money for upgrade work, but a large share still do not know the likely cost, whether exemptions apply, or how much borrowing support lenders are prepared to offer.
TMW moves from warning to funding
According to the lender, the free assessments will be delivered with retrofit specialist Eco Approach and will show how far a property is from EPC C, what works may be needed and whether grants or exemptions might apply. TMW also said the products are around 2 percent cheaper than its standard further advances, giving existing borrowers a clearer route to fund improvement work.
The shift is notable because much of the EPC debate has focused on future regulation or political fairness rather than the practical mechanics of getting work priced, scheduled and financed. TMW is now trying to turn that gap into a lending proposition.
This follows Landlord Knowledge’s report on Paragon saying landlords had already drawn £2.37bn for EPC works, which showed the retrofit push is moving into live borrowing decisions. It also builds on Landlord Knowledge’s coverage of calls for Warm Homes cash to reach landlords. The latest move suggests lenders see both a compliance problem and a commercial opening.
Awareness remains a bigger problem than ministers may assume
TMW said 63 percent of landlords are still unsure what it will cost to raise a property to EPC C. That helps explain why the market remains patchy. Landlords are not only weighing future standards against current margins – many still lack a clear quote, timetable or financing plan.
While the lender’s support package is limited at launch, it adds a fresh timing hook to the 2030 debate because it shows the market is starting to price in landlord demand now rather than waiting for a last-minute rush. The Mortgage Works said more detail on the support sits alongside its wider EPC-related offering for brokers and landlords on its The Mortgage Works website.
What this means for landlords
- If your property is rated D to G: check whether your lender offers assessments or cheaper borrowing before paying for work independently.
- Watch for: a scramble later in the decade if landlords keep delaying surveys and cost planning.
- Practical move: get an updated view of likely upgrade costs now, even if work is not immediate.
- Funding point: compare retrofit finance against standard further advances rather than assuming all borrowing is priced the same.
- Bottom line: the deadline is turning from policy noise into live lending strategy.
Editor’s view
The biggest EPC risk is no longer just regulation. It is delay. Landlords who wait until the market is crowded for surveys, installers and finance may end up paying more than those who do the unglamorous planning now.
Author: Editorial Team – UK landlord & buy-to-let news, policy, and finance
Published: 19 June 2026
Sources: The Mortgage Works, National Residential Landlords Association
Related reading: Paragon says landlords drew £2.37bn for EPC works
🏠 EPC Rules for Landlords: What You Need to Know
Minimum EPC C required by 2030 – new assessment rules from late 2027
