"By pricing these EPC A to C products below their standard equivalents, we are recognising the lower risk profile of those properties and giving advisers a clear pricing advantage to discuss with clients"
- Steve Cox - Fleet Mortgages
Fleet Mortgages has expanded its two-year fixed-rate product range for properties with EPC ratings of A to C and reduced rates across selected two- and five-year fixed-rate remortgage-only products.
The lender said the changes apply from 26 February 2026 and cover properties up to 75% LTV across its Standard, Limited Company and HMO/MUFB ranges. Pricing on the new EPC A–C products sits 10 basis points below equivalent non-EPC A–C products.
Within the Standard and Limited Company ranges, Fleet has introduced:
a 5.19% two-year fixed-rate with no completion fee; and
a 4.74% two-year fixed-rate with a £1,499 fee, with a maximum loan of £750,000.
Both products include free valuations up to £500,000.
In the HMO/MUFB range, the new options are:
a 5.54% two-year fixed-rate with no completion fee; and
a 5.39% two-year fixed-rate with a £1,999 fee, also capped at a £750,000 maximum loan.
These products come with £1,000 cashback.
Alongside the EPC-focused expansion, Fleet has cut rates on remortgage-only products in its Standard and Limited Company ranges. The changes apply to existing 75% LTV products that carry a 2% fee, with a £750 minimum.
The two-year fixed-rate remortgage-only product has fallen by 10 basis points to 4.44%, while the five-year fixed-rate remortgage-only product has dropped by 15 basis points to 4.74%. Both include a free valuation up to £500,000 and £500 cashback.
Fleet said the additional EPC A–C variants reflect adviser and landlord demand for pricing that rewards stronger energy efficiency. The remortgage rate cuts are intended to support borrowers reviewing existing finance arrangements during the first half of the year.
The updates follow last month’s launch of a new range of 65% LTV mortgage products.
For further information on the full product range, Fleet directs advisers to its website.
“The direction of travel on property standards remains clear, and landlords are increasingly aware EPC ratings matter, both in terms of tenant demand and future regulation,” said Steve Cox, chief commercial officer at Fleet Mortgages.
“By pricing these EPC A to C products below their standard equivalents, we are recognising the lower risk profile of those properties and giving advisers a clear pricing advantage to discuss with clients."
“At the same time, we know many landlord borrowers are looking at their remortgage options as large numbers of deals come to maturity through the first half of 2026. Cutting our two- and five-year fixed-rate 75% LTV remortgage-only products provides strong options for advisers placing business in the weeks ahead. As ever, our focus is on competitive pricing, clear criteria and practical support for advisers across our full range, Standard, Limited Company and HMO/MUFB.”
