Posts in tag

energy performance


Shutterstock / IR Stone Every real estate market has its winners and losers, and as housing shortages continue to prevail, the transitional sector finds itself in an advantageous position. Whether buyers are looking to restore a broken real estate chain or do a quick renovation, many are using bridging to gain the upper hand. “It’s …

Quantum Mortgages, which confirmed its launch plans late last year, has released details of its green mortgages. The buy-to-let (BTL) specialist says that for properties with an Energy Performance Certificate (EPC) rating of A or B, borrowers will benefit from a reduced completion fee and pay rate. Additionally, the maximum LTV will be increased by …

Pepper Money is now offering its customers free advice on energy efficiency. This consists of carrying out an energy efficiency study on the client’s property, providing an energy performance certificate (EPC) and detailing an action plan to make their property more energy efficient. Pepper says that if the action plan requires funding for improvements, the …

Most brokers struggle to find loans for new homeowners, according to data from Mercantile Trust. Broker buy-to-let and bridge lender says 55% of intermediaries regularly experience difficulties when trying to find financing for new BTL customers, following an online survey. He adds that half of advisors had similar problems obtaining loans for BTL clients with …

Shutterstock/Photobank.Kiev.UA Many buy-to-let (BTL) professionals are optimistic about the market outlook after a strong 2021. Mortgage strategy cited good mortgage availability, easing criteria and low rates as reasons for their optimistic outlook. This positivity is despite tougher tax conditions for homeowners and the threat of additional costs to improve the energy efficiency of homes, which, …

Without wanting to sound like a broken record, 2021 has been another year of uncertainty for all of us, owners included. However, amidst the closures and the alarming rate of inflation, there was something to celebrate for real estate investors! Helped in part by demand initially sparked by the stamp duty holiday, house prices have …

Landlords are buying greener properties before the government legislates in this area, meaning tenants can pay lower utility bills than owner-occupiers, saving up to £844m a year, according to Hamptons. The real estate agent says that so far this year, the share of homes bought by investors with an A to C energy performance certificate …

Halifax Intermediaries will make price changes to select products for first-time buyers and movers, including affordable housing – share shares and condominiums, on Monday, February 14. The broker-only subsidiary says the move will cut rates by up to 34 basis points on certain fixed-rate products from 85-90% to two-year fixed and five-year fixed-rate offerings from …

Shutterstock/Anna evlanova.ru The real estate market exploded last year, including the buy-to-let (BTL) sector. According to UK Finance, BTL buying activity grew to £18 billion in 2021, a colossal 83% increase on activity in 2020. Meanwhile, Shawbrook Bank’s 2021 Buy-to-Let report found that the value of the private rental sector grew by 5.8% in 2021, …

Shutterstock/Kletr April 2025 may seem like a long way off, but this date should stick in the minds of homeowners who own energy-intensive properties. In three years, the government hopes to bid farewell to the multitude of drafty and neglected properties that plague some corners of the private rental sector. It plans to make it …

Jon Cooper, Head of Mortgage Distribution, Aldermore Owners are experts at dealing with change. They’ve had a lot of practice over the past 10 years. But the next hurdle is high. Minimum energy efficiency standards are set to tighten considerably in just three years if the government’s proposals come to fruition. And properties that aren’t …

The government has finally published its long-awaited white paper on the ‘upgrading’ agenda, courtesy of the Secretary of State for Upgrading, Housing and Communities, Michael Gove. This 2019 election slogan expresses a desire to smooth the gaps in wealth and opportunity, which are currently concentrated in the Southeast, across the country. The government says it …

Coming to what is – hopefully – the final round of the Covid pandemic and considering all the changes the past two years have brought to society, the economy and the way we are governed, Mortgage strategy thought it was time to ask a number of lenders what risks they were considering at the start …

Knowledge Bank has added West One Loans buy-to-let criteria to its search platform. West One revamped its buy-to-let loan credentials last month and they have now been included in Knowledge The Bank’s platform, which includes more than 135,000 individual criteria covering more than 270 lenders. West One’s BTL Managing Director, Andrew Ferguson, said: “As a …

Skipton has issued two additional loan products specifically for borrowers who want to make green improvements to their homes. The products come in the form of discounted two-year base rate trackers, one for residential use and one for buy-to-let (BTL). For residential use, the mortgage is available up to 90% LTV and fixed at 1.09% …

Belmont Green, parent company of Vida Homeloans, issued its first European residential mortgage-backed security (RMBS) of the year. Named Tower Bridge Funding 2021-2, it has raised £400million through owner-occupied mortgages and lettings. He was backed by Santander, Barclays and Bank of America. Attracting more than £1 billion in demand, Belmont Green managed to price its …

As inflation hits the headlines for the first time in decades and interest rates rise despite the spread of Omicron, fixed and variable rates remain in the foreground for many mortgage professionals, and what increases in interest rates will mean for customers. Meanwhile, and perhaps under the radar for many, the issue of Energy Performance …

Like most lenders, the majority of the loans we make to our Rental Landlords (BTLs) are for properties that have changed hands at least once. This is hardly surprising because there are more used goods than new ones for sale. But BTL investors are buying new construction. In the past 17 months, 11% of our …

As we approach the end of a year, I like to take stock of the past 12 months and crystallize my thoughts on what the next 12 might look like and what I can do to improve them. This ritual seems more important than ever given the state of the world over the past two …

Virgin Money launched a new condominium mortgage, bought two products and cut rates. The condominium mortgage is in the “Greener” category, which means properties must have an “A” or “B” energy performance certificate rating, and is available at 90% LTV over a five-year period. years at 2.40%. He charges a fee of £ 995. Virgin …

Just over half – 52% – of property owners who need investments to align their energy efficiency ratings with current regulations have considered selling, according to a The Mortgage Works (TMW) report form. The government has decreed that all rentals will have an Energy Performance Certificate (EPC) of at least “C” by the end of …

A “depressed” stream of new instructions is both dampening activity in the housing market and pushing prices to new highs, according to the Royal Institution of Chartered Surveyors. In its latest residential market survey, Rics shows the net balance of the new set of instructions at -20%, with average inventory levels falling from 42 in …

Recently, the UN released a damning report on global climate change. There were disturbing findings as to where we might be headed unless some serious changes take place. It’s the latest in a long line of calls for the global community to come together to tackle the problem, but it’s a stark reminder of the …

Kensington Mortgages has finalized a green bond securitization worth £ 750million, which the specialist lender says will help ‘get borrowers to buy energy efficient properties or renovate existing buildings’ . It says the deal is a lender’s first green bond in the UK asset-backed securities market, making the company the third issuer in Europe to …