Castle Trust Bank has added an EPC Uplift Bridge to its bridging finance range, targeting landlords and property investors looking to improve the energy efficiency of rental properties ahead of upcoming regulatory deadlines.
The product is priced at 0.69% per month and is available where refurbishment works are focused on bringing a property's Energy Performance Certificate (EPC) rating to between A and C by the end of the loan term. It supports non-structural works only, with a maximum works cost of £100,000.
Loans are available from £200,000 to £1m, up to 75% net day-one loan-to-value (LTV) and 75% loan to gross development value (LTGDV). The maximum term is 12 months, with rolled-up interest and a refinance exit strategy.
"Improving the energy efficiency of rental property is becoming an increasingly important consideration for landlords and investors," said Anna Lewis, commercial director at Castle Trust Bank.
"While the 2030 deadline may still feel some way off, brokers have an opportunity to help their clients think ahead and identify the right moments to carry out improvements, particularly when a property is vacant or already being refurbished."
"Our new EPC Uplift Bridge has been designed specifically to support this type of project. It provides short-term finance at a competitive rate for landlords who want to act early, improve the quality and efficiency of their properties, and future-proof their portfolios."
The launch reflects growing demand for financing solutions tied to energy upgrades, as landlords face mounting pressure to meet minimum EPC requirements across their portfolios.
With the 2030 deadline still several years away, the product is aimed at those looking to get ahead of the changes rather than react at the last minute, particularly where a void or planned refurbishment creates a natural window to carry out the work.
