Which mortgage lenders are relaxing EPC rules for landlords, and what are the new criteria for buy-to-let mortgages?
Quick Answer
Currently, UK mortgage lenders are not broadly relaxing EPC rules for landlords, as the proposed EPC 'C' target by 2030 is still under consultation. Lending criteria for BTL mortgages remain consistent, focusing on rental coverage tests.
About This Topic
UK mortgage lenders are not relaxing EPC rules in December 2025. BTL mortgages still apply a 125% rental coverage at 5.5% stress test. Plan for future EPC 'C' upgrades.
This question is part of our Financing & Mortgages category, providing expert guidance on UK property investment.
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