Following confirmation under the Government’s Warm Homes Plan that all private rented properties must achieve a minimum EPC rating of C by 1 October 2030, landlords are facing a major regulatory shift.
With nearly 5 million PRS properties in the UK and almost half currently below EPC C, demand for upgrades is expected to rise sharply. Planned EPC reforms in late 2026, which will place greater emphasis on fabric performance, heating efficiency, and low-carbon technologies, may also see some properties rated more harshly, increasing the importance of early planning.
In response to this challenge, TMA has joined forces with eco-Landlord, a free-to-use service designed to help landlords understand, plan, and deliver EPC improvements, while enabling mortgage brokers to provide enhanced support to their landlord clients.
With around 5 million private rental properties and nearly half currently rated EPC D or below, landlords face increasing pressure to act. At the same time, there is a shortage of qualified installers, making early planning essential. Through this partnership, TMA members gain access to a comprehensive, end-to-end solution that helps landlords navigate the EPC upgrade process with confidence.
eco-Landlord guides landlords through every stage of improving their EPC rating. The service helps landlords understand their current EPC, identify the work required to reach the target rating, build a personalised retrofit plan, explore potential grants, and connect with qualified installers to complete the work. A final EPC assessment is then carried out to confirm the success of the upgrades.
For mortgage brokers, the partnership provides a valuable opportunity to enhance their proposition without the need to become energy efficiency specialists. TMA members can confidently refer landlord clients to eco-Landlord, knowing they will receive expert guidance and a high-quality service. Where a mortgage or additional finance is required, the case is referred back to the broker, ensuring they remain at the centre of the client relationship. eco-Landlord also supports brokers by helping identify suitable lenders based on criteria, affordability, and rates already identified.
Angus Stewart, CEO of eco-Landlord, commented: “Mortgage brokers play a critical role in helping landlords adapt to changing regulations. By partnering with TMA, we’re making it easier for brokers to support their landlord clients with EPC improvements, while strengthening their position as trusted advisers. Together, we’re simplifying what can otherwise be a complex and challenging process.”
Robert McCoy, Senior Product and Business Manager at TMA added: “EPC regulation is a growing concern for landlords and brokers alike. Partnering with eco-Landlord allows our members to offer practical, forward-looking support to landlord clients, helping them plan and deliver upgrades while protecting long-term property value and rental viability.”
TMA members are invited to register for an account via the eco-Landlord broker portal at www.eco-landlord.com/brokers, where they will receive a referral code to share with landlord clients.
