EPC Mortgage Stats Overview

Last updated: 21 Dec 2024 | Time to read: 2 minutes

This page presents detailed information on the value and loan characteristics of mortgage properties, their current and potential EPC (Energy Performance Certificate) ratings, and associated financial implications.

Dashly is committed to fostering debate and innovation around the green agenda. By providing this comprehensive data, we aim to promote energy efficiency and sustainability in the housing market. This page presents detailed information on the value and loan characteristics of mortgage properties, their current and potential EPC (Energy Performance Certificate) ratings, and associated financial implications. Derived from a significant sample set 5% of all active mortgages, this data is statistically powerful and highly relevant compared to typical surveys. This resource assists journalists, researchers, and analysts in understanding trends and producing informed reports. Please ensure proper attribution when using this information.

Data Explanation

The table below summarises the key statistics for mortgaged properties with current EPC ratings of C and below. It includes average property values, loan-to-value (LTV) ratios, average mortgage rates, monthly repayments, and potential costs of efficiency improvements based on the most recent EPC.

Retrofitting costs per tonne of CO2 saved vary widely, from £3k to £26k. Upgrading from lower EPC ratings (e.g., G) to higher ratings (e.g., A) generally provides significant CO2 savings at a relatively lower cost per tonne. These insights highlight the financial and environmental benefits of investing in energy-efficient property upgrades. Additionally, understanding regional disparities in retrofit costs and benefits provides a nuanced view of the financial and environmental impacts of energy efficiency improvements across the UK.

Data Sources

  • Mortgage Data: Proprietary to Dashly Ltd. This data provides in-depth insights into the mortgage market.

  • EPC Data: Sourced from EPC Open Data Communities. This dataset includes information on energy performance ratings of properties, helping assess energy efficiency and potential savings.

Disclaimers

  • The data is for informational purposes only and should not be considered financial advice.

  • While efforts are made to ensure data accuracy, Dashly Ltd and EPC Open Data Communities do not guarantee its completeness or accuracy.

  • Proper attribution is required when using this data in reports. For mortgage data, attribute to Dashly Ltd, and for EPC data, attribute to EPC Open Data Communities.

How to Use This Data

  • Journalists can quote statistics and insights from this data in their articles, ensuring proper attribution.

  • Researchers and analysts can use the data for studies, reports, and presentations, with appropriate attribution.

  • Include a link back to this page for context and further information when using the data.

Contact Information

For more details or inquiries, please contact:

Live Stats

Related Content

Certificates

Dashly - Living Wage Employer

The real Living Wage is the only UK wage rate that is voluntarily paid by organisations and businesses who believe their staff deserve a fair day's pay for a hard day's work.

Certificates

Dashly is now a Certified B Corporation

This is just the beginning of our B Corp journey, and we're excited to join a global community of like-minded organisations striving for a more sustainable future.

Property

“Debt consolidation and the pigeon in the basement”

Every adviser, regardless of time served, has a ‘transaction type’ that is their least favourite. Might be lending into retirement. Residential interest only perhaps. Contractors with small contracts and very little prior evidence comes to mind… For me, it used to be Debt Consolidation. For multiple, (very) unrelated reasons…