I was approached by a landlord who wanted to borrow against his existing properties and was asked by the bank to improve the EPC of one of the houses with an EPC in Band F before they could proceed with a loan.

I discovered that a Fensa certificate for the windows dated 2008 was available, which hadn’t been taken into account in the previous EPC and the client also had the cavity walls filled, which gave enough points to reach Band E.

So this was a relatively cheap advice and improvement scheme to bring a border line property into Band E.

Banks and financial institutions don’t want to lend on properties that can not legally be let.