Hampshire Trust Bank has launched a new product for landlords who want to improve the energy performance certificate rating of their properties through refurbishment.

The lender says its Bridge EPC Refurb offer has the benefit of a light refurbishment bridging product combined with a term loan.

The product consists of a six-month bridging loan followed by a term loan. The bank will also discount its standard rate by 20 basis points if the property achieves an energy performance certificate rating of C or above rating after six months. In addition, the lender will pay for the new certificate.

Hampshire Trust Bank managing director, specialist mortgages Louisa Sedgwick says: “The 2025 deadline for energy performance certificates to have a rating of C or above for new tenancies is fast approaching and we are receiving an increasing number of enquiries from our broker partners who have clients looking to improve the energy efficiency of their properties.

“We are always striving to meet the demands of brokers and their clients and we believe we are meeting a real need with Bridge EPC Refurb acknowledging that the live challenge we face is within the UK’s existing housing stock.

“We are always striving to meet the demands of brokers and their clients and we believe we are meeting a real need with Bridge EPC Refurb acknowledging that the live challenge we face is within the UK’s existing housing stock.

“We have built this product in response to the growing requests from our intermediary partners, ensuring they can offer a credible solution to landlords allowing them to focus on getting their properties up to fast-approaching energy efficiency standards.”