Do you need an EPC certificate to remortgage your home

blessing
blessing Posts: 3 Newbie
Part of the Furniture First Post
edited 14 February at 10:08AM in Mortgages & endowments
Currently trying to remortgage but the mortgage lender Precise  in the offer is insisting on EPC certificate and we’ve never had one in twenty years we have been living in the propert We are not selling or renting out, it’s our main home. To top it all they are also asking for guarantees for roof covering and double glazing we had done few years ago. No idea what to do with this one and this is after we have paid them for the valuation

Is this anew thing and absolute? Has anyone come across this? 

Do you need an EPC certificate to remortgage your home 1 vote

Yes
0%
No
100%
Mark_d 1 vote
May be
0%

Comments

  • blessing
    blessing Posts: 3 Newbie
    Part of the Furniture First Post
    Currently trying to remortgage but the mortgage lender Precise  in the offer is insisting on EPC certificate and we’ve never had one in twenty years we have been living in the propert We are not selling or renting out, it’s our main home. To top it all they are also asking for guarantees for roof covering and double glazing we had done few years ago. No idea what to do with this one and this is after we have paid them for the valuation

    Is this anew thing and absolute? Has anyone come across this?
  • Mark_d
    Mark_d Posts: 2,321 Forumite
    1,000 Posts First Anniversary Name Dropper
    No
    I'm currently in the process of remortgaging.  My broker says that if I can get an EPC showing category A or B then I get a better deal on mortgage.  My last EPC was category C.  Nothing has changed so there's no point me getting a new EPC
  • Mark_d
    Mark_d Posts: 2,321 Forumite
    1,000 Posts First Anniversary Name Dropper
    edited 13 February at 12:38PM
    No
    Never heard of things being a requirement and I remortgage every few years
  • Ayr_Rage
    Ayr_Rage Posts: 2,463 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    Duplicate, same posted in Mortgages

    https://forums.moneysavingexpert.com/discussion/6587735/epc-certificate#latest
  • silvercar
    silvercar Posts: 49,314 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Name Dropper
    I’ll close this thread.
    I'm a Forum Ambassador on the housing, mortgages & student money saving boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Forum Ambassadors are not moderators and don't read every post. If you spot an illegal or inappropriate post then please report it to forumteam@moneysavingexpert.com (it's not part of my role to deal with this). Any views are mine and not the official line of MoneySavingExpert.com.
  • Robin9
    Robin9 Posts: 12,702 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    edited 13 February at 12:38PM
    find-energy-certificate.service.gov.uk/
    Never pay on an estimated bill. Always read and understand your bill
  • grumpy_codger
    grumpy_codger Posts: 774 Forumite
    500 Posts Name Dropper Photogenic
    edited 13 February at 12:38PM
    Energy Performance Certificate  certificate 
This discussion has been closed.
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