An Energy Performance Certificate (EPC) is a certificate that is required to sell or rent a property. Before purchasing a property you should make sure the property has an EPC. Carried out by a accredited assessor, this survey looks at the energy efficiency of a property and gives it a rating from A (most energy efficient) to G (least efficient). Using the same scale it also rates the property’s environmental impact. This gives an indication of how expensive the property will be to heat and fuel, and it is the landlord or seller’s responsibility to acquire and pay for one. They can be fined if they don’t produce one when needed. Some buildings do not need one however, if, for example the property:

  • is a temple or church.
  • is a building that will be used for no more than two years.
  • is a building with less than 50 square metres useable floor space.
  • is residential or holiday accommodation that is not going to be used for more than 4 months a year.

It is possible to see EPC’s that have been produced online at www.epcregister.com

England

Wales

House Price

Min£50,000

£50,000

Max£600,000

Deposit

Min (5% of house price)£2,500

£2,500

Max (30% of house price)£15,000

Interest Rate

Min2.00%

3.50%

Max6.00%

Term

Min25 Years

30 Years

Max35 Years

Without Help to Buy

Your deposit£2,5005%
Your mortgage£47,50095%
 
Monthly Payment£213.30 

With Help to Buy

Your deposit£2,5005%
Help to Buy Loan£10,00020%
Your mortgage£37,50075%
 
Monthly Payment£168.39 

This calculator is provided to give you basic guidance only. This information is computer-generated and relies on certain assumptions. It has only been designed to give a useful general indication of costs. Its important you always get a specific quote from the lender and double-check the price yourself before acting on the information. We cannot accept responsibility for any errorsand recommend that you obtain exact figures from a specific lender before committing to any mortgage.