Tackling climate change

Guide to Energy Performance Certificates

What are Energy Performance Certificates?

Moving home comes with many associated costs, especially energy. An Energy Performance Certificate (EPC) rates a property's energy efficiency and could help you to buy a home that’s more energy efficient, helping to reduce your impact on the climate too.

How do EPCs work?

Could an EPC save me money?

Where can I get an EPC? How much does it cost?

How long is an EPC valid for?

Should I buy a home with a low EPC rating?

Are you buying a home with a valid EPC rating of A or B?

How do EPCs work and how can I get one?

How do EPCs work?

Energy Performance Certificates (EPCs) rate a property’s energy efficiency using a scale from 1 – 100 and giving each band a letter. ‘A’ is a score of 92 – 100, meaning the property is very efficient and has lower running costs. 

At the bottom of the scale is ‘G,’ with a score of 1 – 20, meaning it’s not energy efficient and has higher running costs. This could help you compare properties you might be looking at, so make sure you ask to see the EPC if you're buying a new home.

Could an EPC save me money?

As a home buyer, an EPC will give you an idea of what it might cost to heat and light your home, and could help you to understand how much to budget for each year.

It also shows how energy efficient your home is, and highlights steps you could take to improve it, such as better insulation or energy efficient light bulbs. Great to know if you’re buying, but also something to consider if you’re selling your home too and want to make it more desirable.

5 ways to reduce your energy bills

Whether you’re a renter or a homeowner, you could start saving energy – and money – with these simple tips. It could help the planet too.

How do I get an EPC certificate?

Homeowners and landlords will need to request an EPC for a property they are selling or renting in the UK, and they must show it to you. Estate agents or letting agents should ensure there’s a valid EPC for any property they're selling or letting on behalf of a client.

Can an EPC be done online?

Although you can request an EPC online, it is a physical survey, so an accredited assessor will need to visit the property to carry out the survey. 

You can also find an existing EPC certificate online, just be sure to follow the correct process for England, Wales and Northen Ireland, or Scotland.

How much does an EPC cost?

It can typically cost between £60 and £120 to get your property on the EPC register. This will vary, so it is worth comparing a few different quotes — but make sure your assessor is registered.

Getting an assessment done directly rather than through an estate agent can help reduce the cost too.

How long is an EPC certificate valid for?

EPCs are valid for 10 years from the date it was produced.  There are some exclusions, such as listed buildings but it’s needed in most cases. 

You can read more about EPC rules on the UK Government website.

Should I buy a home with a low EPC rating?

It’s a personal choice, but the higher the score the less you could spend on bills and the lower your carbon footprint - better for your pocket and the climate. 

If your heart is set on a home with a lower rating, you could also consider making home energy saving improvements. You could also reduce your energy consumption by following our simple energy saving tips.

Buying a home with a valid EPC rating of A or B?

If you are, you could be eligible for our Green Mortgage which rewards you for buying an energy efficient home.

You could get a reduced rate on a 2 year or 5 year fixed rate mortgage and we’ll pay £350 cashback to your solicitor on the day you drawdown your mortgage. 

NatWest Green Mortgages are available to over 18s. Your home may be repossessed if you do not keep up repayments on your mortgage. Product fees may apply.

Cashback offer is only available on selected mortgages marked with ‘Green Mortgage - Cashback’ and can be changed or withdrawn at any point. Max LTV 85%. Early repayment charges may apply.