Fleet Mortgages has expanded its two-year fixed rate product range for properties with an A to C energy performance certificate (EPC), in addition to rate reductions on selected two-year and five-year fixed rate refinance-only products.
The new EPC A to C products are available up to 75% loan-to-value (LTV) across all three of the lender’s Standard, Limited Company and HMO/MUFB ranges.
Prices for these products are set 10 basis points lower than for the equivalent non-EPC A to C products.
Across the Standard and Limited Company range, the new products include a fixed rate of 5.19% for two years with no completion fees, and a fixed rate of 4.74% for two years with a £1,499 fee (maximum loan of £750,000).
Both products come with free valuations up to £500,000.
Within the HMO/MUFB range, the new products include a fixed rate of 5.54% for two years with no completion fees, and a fixed rate of 5.39% for two years with a £1,999 fee (maximum loan of £750,000).
Both products also come with £1,000 cashback.
Fleet has also reduced rates on refinancing products only within the Standard and Limited Company range.
Rates have been reduced for existing 75% LTV products, which are subject to a 2% fee (minimum £750).
The two-year fixed rate remortgage product has been reduced by 10 basis points to 4.44% and the five year fixed rate remortgage product has been reduced by 15 basis points to 4.74%.
Both products come with a free valuation up to £500,000 and £500 cashback.
Fleet of mortgages Chief Commercial Officer Steve Cox said: “The direction we are heading in property standards remains clear and landlords are increasingly aware that EPC ratings matter, both in terms of tenant demand and future regulation.”
“By pricing these EPC A to C products below their standard equivalents, we recognize the lower risk profile of these properties and give advisers a clear pricing advantage to discuss with clients.”
“At the same time, we know that many landlord borrowers are looking at their remortgage options as large numbers of deals mature in the first half of 2026. Lowering our two- and five-year fixed rate products with a 75% LTV remortgage provides strong options for advisers looking to do business in the coming weeks.”