Fleet Mortgages, the buy-to-let specialist lender, has today (4th June 2026) announced the reintroduction of its Energy Performance Certificate (EPC) A-C fixed-rate products for landlords purchasing or remortgaging properties with a rating between A and C, alongside a series of rate reductions across its wider buy-to-let mortgage range.
The lender has reintroduced both two-year and five-year EPC A-C products, available at 75% LTV with a 3% fee.
The two-year standard and limited company EPC A-C product is available at 4.39%, while the five-year EPC A-C product is available at 5.04%; the HMO EPC A-C two-year product is priced at 4.69%, and the five-year at 5.29%.
All EPC A-C products come with a 3% fee and are priced 10 basis points (bps) lower than Fleet's equivalent standard/limited company/HMO 3% fee products.
The lender also highlighted both its EPC A-C product range and £1,000 Green Cashback product feature have now achieved alignment to the Green Home Finance Principles (GHFP), an industry-led framework developed to encourage and support the financing of energy-efficient homes and property improvements.
Fleet runs a cashback initiative which can see landlord borrowers secure money for improving the EPC of their property to an A-C level during the fixed-term of their mortgage.
Fleet said the return of the EPC A-C products reflected the continued demand from landlords seeking finance for more energy-efficient properties, while also rewarding those borrowers who have achieved this level with lower pricing.
In addition to the reintroduction of the EPC A-C products, Fleet has also reduced rates by 10bps across its existing standard, limited company and HMO five-year fixed-rate products up to 75% LTV. The standard and limited company products are now available at 5.14%, while the HMO product is available at 5.39%. All products come with a 3% fee.
Steve Cox, Chief Commercial Officer at Fleet Mortgages, commented:
“The reintroduction of our EPC A-C products provides advisers and landlord borrowers with a clear pricing benefit when financing properties which already meet higher energy-efficiency standards.
"At the same time, we have reduced rates across our wider five-year fixed-rate range in order to ensure advisers continue to have access to competitive options for their landlord clients.
"We know many landlords are focused on improving the quality and energy-efficiency of their portfolios, in order to meet their future responsibilities and targets in this area. That can be purchasing properties which have already achieved higher EPC ratings or investing in improvements to existing stock within portfolios. Our proposition supports both approaches.
"We are also pleased that both our EPC A-C products and Green Cashback initiative have achieved accreditation under the Green Home Finance Principles. This provides further recognition of our commitment to supporting landlords who are investing in energy-efficient properties and making improvements which can deliver long-term benefits for their tenants."
