logo
How to improve your EPC rating in seven steps

How to improve your EPC rating in seven steps

Yahoo5 days ago

Every UK property is legally required to have an EPC assessment if you are selling it, renting it out or it's been newly built.
EPCs are reported as grades, and they're calculated based on two factors: the amount of energy used per square metre, and the level of carbon emissions per year (measured in tonnes).
Not only are more energy-efficient properties cheaper to run, they can also command higher house prices and may be eligible for 'green mortgages', which can come with preferential rates.
However, the system has garnered criticism and is particularly disliked by landlords, who may need to spend thousands to hit Labour's EPC targets.
The Government is currently consulting on an overhaul of the system, with the Home Energy Model due to be unveiled in 2026 – and a new assessment process introduced this year means achieving the coveted 'C' grade is more difficult than ever.
Here, Telegraph Money explains the steps you can take to improve an EPC.
What are EPC ratings?
Why should you consider improving your EPC?
Seven-step guide to improving your EPC
Energy Performance Certificate FAQs
EPC ratings refer to Energy Performance Certificates. Properties are assessed on a range of factors, including ventilation, property size, layout, windows, doors and lighting, among others.
Properties are scored on a scale of 1 to 100, and given a letter rating from A (extremely efficient) to G (extremely inefficient). The average EPC rating for properties in England and Wales is 'D'.
The ratings system itself has also garnered criticism, with consumer group Which? branding it 'inaccurate and misleading.'
For landlords however, EPCs present a challenge. Currently, a minimum grade of 'E' is required for rental accommodation, but the current Government has resurrected the requirement for it to be 'C' or above by 2030. For new tenancies, requirements kick in from 2028.
This could cost investors thousands of pounds – particularly if they own older buildings, which tend to be less energy-efficient.
The work needed could involve anything from insulating a property's attic, at a cost of a few hundred pounds, to overhauling its energy network and installing a heat pump and solar panels.
The Government is consulting on a complete overhaul of the EPC system. Reforms suggested by Labour include several metrics previously overlooked by current EPCs, including insulation quality and carbon emissions, as well as 'the capacity to integrate with smart technology', such as smart meters and dynamic energy tariffs.
The consultation published by Labour this month, said: 'Smart meters, intelligent appliances like EV charging points, solar PV battery storage, and heat pumps – along with smart tariffs and services – will enable and encourage users to adapt their consumption patterns to match periods of cheap, abundant low-carbon electricity supply.'
While making EPC improvements can cost money, there are financial advantages to a higher rating:
Lower running costs. The process should lower your energy bills – and if you choose to do something like installing solar panels or a home battery, you could even make money from the selling extra energy they produce back to the National Grid.
Preferential mortgage rates. If you qualify for a green mortgage, you might get offered better interest rates. You could also get a better price when you come to sell.
Higher property values. Potential buyers are known to value potential energy savings and a higher EPC grade can suggest that recent work has been done on the property.
Avoiding fines. As a landlord, you can face a hefty penalties for properties that aren't up to scratch.
Identifying opportunities. Your own EPC will suggest changes that could upgrade your property's efficiency and help it reach a higher rating.
There are lots of things you can do to improve your property's energy efficiency – while some are simple, like changing the lightbulbs you use, some will be larger projects.
Upgrade to energy-efficient lighting
Insulate your roof and walls
Invest in double or triple-glazed windows
Upgrade to a more efficient boiler
Install underfloor heating
Implement smart heating controls
Explore renewable energy options
Energy-efficient lighting refers to replacing your current lightbulbs to LED equivalents. According to the Energy Saving Trust (EST), switching to 50-watt halogen bulbs could save you £4 per lightbulb over the course of a year.
This change is becoming less of a choice and more of a necessity, since companies are no longer allowed to manufacture inefficient halogen lightbulbs. The only instances where you might still see them is where shops are still selling their old stock.
As part of the Reduced Data Standard Assessment Procedure (RdSAP) 10 changes introduced on June 15 2025, EPC assessors will be required to count the number of lightbulbs in a property, and record whether they are LEDs or not.
Around the house, the EST says it's still common to find inefficient bulbs in ovens, cooker hoods and security lights.
The insulation a house might require depends on when it was built; it is considerably more expensive for older homes. Those built after the 1920s typically have cavity walls, which cost around £1,000 to insulate.
Solid walls, more common in older houses, cost about £12,000 to insulate externally and £8,500 internally, excluding redecorating costs. Floor insulation is between £1,600 and £2,900 for a typical 'suspended' floor.
Following the aforementioned RdSAP 10 changes introduced in June 2025, energy assessors will be required to record whether individual walls are exposed or sheltered. The new criteria also require assessors to measure the thickness of walls to the nearest 25mm, with a minimum value of 10mm.
Assessors must also record whether any top floor rooms are 'true in roof' (meaning there are no walls) or if it is a 'room in roof' (meaning it has walls at least 1.8m high). Lastly, PdSAP 10 requires assessors to record ventilation entries beyond open fireplaces, including blocked chimneys, open flues, extract fans, passive stack vents, and flueless gas fires.
Insulation costs can be trimmed by sourcing cheaper materials. Savvy landlords can salvage insulation from local building works that would otherwise end up in a skip by using online marketplaces such as Facebook or Gumtree. Some are slashing their maintenance costs by 25pc by collecting building materials that would otherwise be thrown away.
Apps have been developed for this very purpose, such as Sustainability Yard, where materials being traded for up to 80pc less than when they are new, with 30pc going for free.
One of the best ways to protect your home from draughts and heat – not to mention noisy neighbours – is by investing in your windows.
As of June 2025, assessors are required to measure every window, and record orientation, frame type (i.e. PVC), glazing type and gap, how old the glazing is, draught proofing, whether or not the window has shutters, and the location within the property.
There are different window ratings, which reveal the cost and energy efficiency. For example, a set of 'A-rated' windows for a semi-detached house will typically cost around £7,500. However, the EST estimates that in an entirely single-glazed semi-detached property with gas heating, adding A-rated double glazing could save £195 a year and 330kg of carbon dioxide.
If your property is a listed building, or in a conservation area, you may need to consider specialist double glazing options that match the design and thickness of the original windows.
Swapping out a gas boiler for a heat pump is a big decision – and one many homeowners will eventually face.
New-build homes will not be built with gas boilers from 2025, although the Government has shelved a proposed ban on replacing them in existing homes.
Heat pumps are the alternative. Households in England and Wales can get up to £7,500 to put towards the switch via the Boiler Upgrade Scheme, which is due to run until 31 December 2027.
The EST recommends homes should be property insulated, with bigger radiators and underfloor heating before a heat pump is installed, which could add thousands to the cost of a switch.
Underfloor heating can work with a heat pump or gas boiler, and it can be a more efficient way to heat a room than radiators. However, it can also be expensive and messy to install.
You can opt for electric or water underfloor heating. Electric involves a wire being connected to the mains, which heats up when the system is turned on. It can be easier and cheaper to install, and is quicker to warm up. According to Checkatrade, the average installation cost for electric underfloor heating as part of a renovation will set you back between £60-£85 per square metre.
Water underfloor heating works via a network of pipes. When they are filled with warm water, the pipes heat up and spread that heat to the flooring. This can take a while, and the system is expensive to install. Checkatrade says it costs an average of £135-£185 per square metre as part of a renovation. However, it can have cheaper running costs once in place.
There's little point using energy to heat rooms that no one's in, which is why smart heating systems that allow homeowners to boost the temperature in certain rooms and at specific times of day are becoming increasingly popular. Some can be controlled via smartphone apps.
This can be handy if your plans change because you can delay or bring forward when the heating comes on. Implementing smart technology into your home will also benefit your EPC in the long run, as Labour's proposed Home Energy Model is planned to favour such technology.
Solar panels are one of the most common sources of renewable energy, costing £5,500 on average according to the EST. This depends on the type of panel, the size of the area covered and any difficulties with access to the roof.
The opportunity to create your own energy can help reduce your bills, and it's also possible to sell what you don't use. However, this will require an energy storage system, which usually includes a battery that allows you to capture the energy generated.
In terms of cost savings, you'll need to weigh up the battery installation cost and the fact that some last longer than others. The EST suggests asking an installer to tell you the predicted lifespan and cost savings before going ahead with any battery storage purchases.
Other renewable energy options include wind turbines and hydroelectricity.
Research by Knight Frank suggests that improving an EPC rating can add up to £20,000 to the property's value – thanks to buyers valuing the potential energy savings and recognising that a higher EPC grade suggests recent maintenance has been carried out.
The average EPC rating for properties in England and Wales is 'D'. There can be significant savings if you're able to improve your rating.
Currently, landlords must make sure accommodation is rated 'E' or above. By 2030, a minimum grade of 'C' will be required for all rental homes, but for new tenancies the required grade must be met by 2028.

Orange background

Try Our AI Features

Explore what Daily8 AI can do for you:

Comments

No comments yet...

Related Articles

Silicon Valley's Leadership Lessons
Silicon Valley's Leadership Lessons

Forbes

timean hour ago

  • Forbes

Silicon Valley's Leadership Lessons

Leadership lessons from Silicon Valley for future readiness Mature organizations lose their vitality. Complex organizations lose their responsiveness. Successful incumbent market leaders, because they are typically both mature and complex, lose their charm, and become endangered. Not surprisingly, there has long been a search for ways to restore vigor and zest to such organizations. Inevitably, when such discussions arise, the success of Silicon Valley is cited as an alternative example of both energy and imagination; of being able to move fast and change things in a big way. The recent DOGE (Department of Government Efficiency) initiative is one such effort. The advertised idea was to learn from the 'new economy,' and apply those lessons learned to large, bureaucratic, government agencies. That this does not appear to have happened is probably due more to chaotic execution and the mischief of ideologues than to a failure in the promise of Silicon Valley as an organizing inspiration for the rest of us. Not entirely coincidentally, the UK's Advanced Research and Invention Agency (ARIA) is another example. Inspired, in part, by the American Defense Advanced Projects Research Agency (DARPA), which, established in 1958 in response to the Soviet Union's Sputnik, has continually played an influential role in Silicon Valley successes, ARIA's American born Ilan Gur sees his organization as a means of supporting UK innovation, which he refers to as a 'tightly wound spring that's ready to release'. What is it, then, about Silicon Valley that leads it to be seen as a source of managerial lessons for organizational success, and what might those lessons be? To answer these questions, I took the opportunity to interview an old friend and IMD colleague, Jim Pulcrano, engineer, entrepreneur, academic, and who for over 25 years has been an observer of Silicon Valley's inner workings, leading more than 80 executive explorations of the Valley in search of such lessons. What follows is a sense of what leadership lessons Silicon Valley might offer those of us who work in mature, old-economy, industries, and especially those of us associated with successful, incumbent, market-leaders, in such industries: Thinking Differently Jim Pulcrano: I think that the Silicon Valley lessons all begin with one word: '"urgency." Mature firms often become comfortable—they've grown strong, built moats, have big balance sheets. But that comfort is a trap. Silicon Valley thrives on discomfort. Everyone there is asking, 'What's next?' and 'How fast can I disrupt myself before someone else does?' Bill Fischer: And how does that urgency manifest itself? Pulcrano: Through relentless questioning. The best innovators don't start with answers—they start with better questions. What if we made a 10X improvement, not 10%? What if we killed our core product before someone else did? What if our future doesn't look like our past? Fischer: This is a dramatically different way of thinking than we typically see in more traditional organizations. Pulcrano: Revitalization requires daring and courage. Mature companies often cling to what worked in the past; the leaders usually built their legacies on products and systems that have outlived their utility and should be disrupted. In contrast, Silicon Valley is all about 'dream big or stay home.' It teaches us that innovation isn't about fine-tuning yesterday's model—it's about asking bold, even uncomfortable, questions. That culture of relentless curiosity that we hear about so often; it's gold. Fischer: So, it's about more than simply having a flashy R&D team? Pulcrano: Exactly. You need a network that nourishes innovation—not just exploits it. One important lesson is that in the Valley geographic proximity makes a difference. Everything is tightly packed together: venture capital, prototyping labs, universities, and legal experts. Ideas bounce around fast. That 'proximity stew' keeps innovation alive. For incumbents, the question becomes: how do we recreate that bubbling ecosystem internally? In a mature company, you've got to mimic that intensity. Create idea collisions. Flatten silos. Interest engineers in talking to marketers, finance to R&D. In Silicon Valley, the network is the superpower. People move freely—from startup to corporate, from VC to academia, then back. The real learning happens in the spaces between. Incumbents need to stop thinking in organizational charts and start thinking in ecosystems. Who do your innovators know outside your organization? What cross-pollination is happening? Who is the go-to person on X? Are you one of them? Leadership lessons Fischer: how different is the practice of leadership in such organizations? Pulcrano: First, leaders must normalize failure. In the Valley, failing fast and moving on is a badge of honor. Max Levchin, Elon Musk's Paypal cofounder, struggled with his first four startups struggled (and mostly failed). The fifth was PayPal. Most legacy firms? They'd have fired him after the second flop. Fischer: Failure becomes data? Pulcrano: Exactly. In the Valley, failure isn't the opposite of success—it's part of the process. That's a cultural shift. Leaders must model that by sharing their own missteps. Celebrate intelligent risk-taking, not just polished outcomes. Nobody wants to fail, it's f**king awful, but if you're trying to do something new, whether it be the technology, the business model or some combination, failure is likely, so learn from it. Second, diverse thinking isn't a bonus—it's a baseline. The best decisions in VC firms often come after heated debates. The VC firm Greylock Partners has even studied this—their biggest wins were investments that triggered the fiercest internal arguments. So if your executive team always agrees, you're in trouble. Fischer: That's quite a departure from many boardrooms; it reminds me of the adage: 'polite teams get polite results.' Pulcrano: It is. And that leads to another principle: permissionless innovation. In the Valley, junior people prototype without asking for five layers of approval. Those prototypes could be products or sales models. Leaders should ask themselves: "Am I enabling action, or am I an obstacle?" Fischer: What does that look like in practice? Pulcrano: One example is Google X. When a moonshot project failed—after years and millions invested—the team that shut it down got a bonus. Why? Because they made the right call. They stopped something that wasn't going to work and freed resources for better bets. Does Culture Really Eat Strategy for Breakfast? Fischer: Peter Drucker famously told us that 'culture eats strategy for breakfast,' so I'm interested in what you think about organizational culture, and how important it is for success in Silicon Valley? Pulcrano: A few things about culture: First: optimism. Even when Silicon Valley Bank [SVB] collapsed, in 2023, the Valley shrugged and poured money into AI startups the next week. That attitude? 'What if it works?'—it's infectious. Second: role models. Everyone in the Valley knows someone who built something, or at least tried. That proximity to success makes ambition feel doable. Third: constructive promiscuity. At a typical Valley barbecue, people swap business cards before burgers. It's not impolite—it's expected. Fischer: Am I right in thinking that the way you see it in Silicon Valley is that a lot of culture is tactical? Pulcrano: In the Valley, it's curiosity and opportunity rolled together. Everyone is 'on the make' always, but everyone is also looking to help, invest, and collaborate. That ethos is powerful. But it can fade—especially as wealth accumulates, risk aversion creeps in, and firms become protectionist. What does the Future of Silicon Valley Look Like? Fischer: I'm in interested in how durable these lessons might be? Silicon Valley has dominated for over fifty years. But can it continue? What might the next fifty look like? Pulcrano: That's a provocative question. I'm optimistic, but cautiously so. Silicon Valley's strength has always been reinvention. Semiconductors, personal computing, the internet, biotech, social media, AI—wave after wave. Each time, it adapted. But now? Fischer: You're not convinced? Pulcrano: I'm seeing signs of incumbent behavior. Some of the giants—Google, Meta, Apple—are acting like the very firms they once disrupted. Risk-averse. Bureaucratic. More lawyers than engineers. That's worrying. Fischer: So, what would it take to stay relevant? Pulcrano: It needs fresh blood. And that's under threat. Immigration policies, visa restrictions—they're slowing down the global talent pipeline. Remember, 60% of the Valley's tech workforce isn't U.S.-born. Choke that off, and the Valley stops breathing. Fischer: So, the magic is in the mix? Pulcrano: Always has been. People come not just from Harvard and MIT, but from India, China, Nigeria, Slovenia. They bring their ambitions, the chips on their shoulders. That stew of dreams and hunger—that's Silicon Valley's secret sauce. Fischer: Can other regions replicate the magic of Silicon Valley? Pulcrano: Not exactly, but they can recreate parts of it. You need three ingredients: talent, money, and ideas, and they must come together efficiently. But it's the efficiency with which you mix them that makes the difference. Fischer: That efficiency being? Pulcrano: Access. In the Valley, the customer, the VC, the tech shop, the legal expert—they're all accessible within 30 minutes. You pitch an idea at breakfast, and prototype it by dinner. That's hard to reproduce in sprawling ecosystems or hierarchical, process-driven multinationals. Fischer: How can incumbents inside large firms imitate that? Pulcrano: Start small. Create internal innovation hubs where people are free to experiment. Kill bureaucracy. Protect intrapreneurs. Build a real network of mentors. Most importantly, ensure sharing and success are incentivized. If ideas stay locked in departments, or behind IP walls, you've already lost. Final Thoughts Fischer: This has all been very interesting! If you could leave our readers with one challenge—especially leaders in mature firms—what would it be? Pulcrano: Ask yourself: 'Am I creating a space where innovation is possible, or merely tolerated?' Then look around. If your team is afraid to disagree, if failure is punished, if new ideas die in PowerPoint—your culture needs rewiring. And, if you are wondering whether you need to go to California to do this: you don't. The Valley isn't a place—it's a mindset. You just need to think like a rebel—and surround yourself with others who will, too.

How LGBTQ+ families can prepare for costly relocations
How LGBTQ+ families can prepare for costly relocations

Yahoo

timean hour ago

  • Yahoo

How LGBTQ+ families can prepare for costly relocations

Some LGBTQ+ families have decided to relocate as shifting government policies could impact their safety. John and David Auten-Schneider, hosts of Yahoo Finance's Living Not So Fabulously podcast, join Wealth to break down the real costs of relocating. For full episodes of Living Not So Fabulously, listen on your favorite podcast platform or watch on our website. To watch more expert insights and analysis on the latest market action, check out more Wealth here.

5 million borrowers have now defaulted on their student loans — and data shows that number could soon double
5 million borrowers have now defaulted on their student loans — and data shows that number could soon double

Yahoo

time3 hours ago

  • Yahoo

5 million borrowers have now defaulted on their student loans — and data shows that number could soon double

Danielle Arnone, a Utah mother of two, has seen her credit score plunge 150 points this year because she and her husband were unable to keep up with the cost of living and pay back their federal student loans at the same time. 'It was shocking — made us sick to our stomachs,' she told KUTV 2 News in a story published May 28. 'The cost of everything — preschool, groceries, gas — it can be overwhelming. Now this? It's just a gray cloud that's always there.' Thanks to Jeff Bezos, you can now become a landlord for as little as $100 — and no, you don't have to deal with tenants or fix freezers. Here's how I'm 49 years old and have nothing saved for retirement — what should I do? Don't panic. Here are 6 of the easiest ways you can catch up (and fast) Nervous about the stock market in 2025? Find out how you can access this $1B private real estate fund (with as little as $10) Arnone and her husband took advantage of the pause on federal student loan payments that began in March 2020. The pause ended in September 2023, however, the previous administration allowed for a one-year grace period to resume payments. Starting in January, past-due accounts were once again being reported to credit bureaus. On May 5, the government resumed collecting defaulted student loan payments. As a result, on top of taking a hit to their credit scores, millions of borrowers could face wage garnishments, withheld tax refunds and reduced Social Security benefits if loans continue to go unpaid. Here's what you can do if you find yourself in this boat. The U.S. Department of Education (ED) released some dismal data in April. More than 5 million student loan borrowers had not made a payment in over a year and were in default. A further 4 million borrowers were in late-stage delinquency — meaning that within a few months, nearly 10 million borrowers could find themselves defaulting on their loans. The ED also noted that 42.7 million borrowers owed more than $1.6 trillion, and only 38% of them were up to date on their student loan payments. During his term, President Joe Biden sought student loan forgiveness for millions of borrowers, however, many of his initiatives were rejected by the courts. This left many borrowers — who were already struggling with the cost of living — confused and unsure what to do about their payments once the pause was lifted. 'I think some saw the pause as a bit of extra cash, but others saw it as a lifeline — they didn't know how they were going to make the payments to begin with,' Tara Alderete of Money Management International told KUTV 2 News. One thing appears certain — student loan borrowers shouldn't expect any charity under President Donald Trump. Read more: Want an extra $1,300,000 when you retire? Dave Ramsey says — and that 'anyone' can do it 'There will not be any mass loan forgiveness,' the ED said in its April news release. Borrowers may be subject to collection activities only after receiving 'sufficient notice' and opportunity to repay their loans, according to the ED. Borrowers who are in default may want to start making payments right away to limit any financial impacts. If you're not sure whether you are in default on your loans, you can check for more information on your loan status. Those who aren't able to budget for their student loans can explore repayment or consolidation options through the U.S. Department of Education. Beware of refinancing loans through private lenders or using credit cards, which can come with high interest rates and push you further into debt. If you're unsure how to move forward with reducing your debt, don't be afraid to seek help from a nonprofit agency. Expert advice can help you feel more in control of your budget and your finances. There are options and help available, even if you've been avoiding your student loan payments for years. 'It's going to be overwhelming, but we'll figure it out. We have to,' said Arnone. Rich, young Americans are ditching the stormy stock market — here are the alternative assets they're banking on instead Robert Kiyosaki warns of a 'Greater Depression' coming to the US — with millions of Americans going poor. But he says these 2 'easy-money' assets will bring in 'great wealth'. How to get in now This tiny hot Costco item has skyrocketed 74% in price in under 2 years — but now the retail giant is restricting purchases. Here's how to buy the coveted asset in bulk Here are 5 'must have' items that Americans (almost) always overpay for — and very quickly regret. How many are hurting you? Like what you read? Join 200,000+ readers and get the best of Moneywise straight to your inbox every week. This article provides information only and should not be construed as advice. It is provided without warranty of any kind. Error in retrieving data Sign in to access your portfolio Error in retrieving data Error in retrieving data Error in retrieving data Error in retrieving data

DOWNLOAD THE APP

Get Started Now: Download the App

Ready to dive into a world of global content with local flavor? Download Daily8 app today from your preferred app store and start exploring.
app-storeplay-store