New Buy to Let Mortgages Rewarding Energy Efficiency Launched by Coventry and TMW

Summary: Coventry for Intermediaries has introduced buy to let mortgage deals offering lower rates for properties with EPC ratings of A to C, encouraging landlords to invest in energy-efficient homes. Meanwhile, The Mortgage Works (TMW) has reduced rates on selected fixed-rate buy to let products, benefiting both new and existing borrowers. These developments reflect a growing focus on sustainability and cost savings within the UK private rented sector.

SEO Focus Keyword: buy to let mortgage rates UK
SEO Meta Title: Buy to Let Mortgage Rates UK Cut for Energy-Efficient Properties
SEO Meta Description: UK landlords can now access reduced buy to let mortgage rates for energy-efficient homes with EPC A-C ratings and benefit from TMW’s fixed-rate cuts.

Coventry Introduces Energy-Efficient Buy to Let Mortgage Deals

Coventry for Intermediaries has launched a new range of buy to let mortgage products aimed specifically at landlords investing in properties with strong energy performance certificates (EPCs). These deals offer lower pricing for homes rated A, B, or C, recognising the importance of energy efficiency in the private rented sector.

The products are available to both individual landlords and limited company landlords, supporting purchases and remortgages where higher energy standards are already met. This approach helps landlords reduce borrowing costs while aligning their portfolios with anticipated future regulations and tenant expectations regarding sustainability.

Eligibility for these deals requires a valid EPC assessment, which Coventry will verify against the official government register. For new-build properties, a Predicted Energy Assessment must be provided to confirm the anticipated energy rating.

Implications for Landlords

By offering preferential rates on energy-efficient properties, Coventry is encouraging landlords to prioritise sustainability in their investment decisions. This not only supports environmental goals but also helps landlords manage borrowing costs effectively. As energy efficiency standards continue to evolve, landlords with higher-rated properties may find themselves better positioned in the market and more compliant with future regulations.

Coventry Reduces Pricing for Existing Borrowers

In addition to the new energy-efficient mortgage range, Coventry has also implemented a small reduction in buy to let pricing for its existing borrowers. This move reflects the lender’s commitment to supporting landlords in managing their mortgage costs across their portfolios.

Jonathan Stinton, Coventry’s head of intermediary relationships, commented: “Landlords are increasingly looking for ways to future-proof their portfolios, and energy efficiency is a big part of that. By offering lower rates on properties with an EPC rating of A to C, we’re acknowledging sustainable choices that benefit both the environment and their bottom line.”

The Mortgage Works Cuts Buy to Let Mortgage Rates

Separately, The Mortgage Works (TMW) has announced reductions of up to 0.15% on selected fixed-rate buy to let mortgage products. These cuts apply to new business limited company borrowing, particularly on five-year fixed-rate deals across various fee structures.

Examples of the new rates include a 4.02% option with a 5% fee available up to 70% loan-to-value (LTV), a 4.44% product with a 3% fee up to 75% LTV, and a 4.89% deal with a £1,495 fee also capped at 75% LTV. All these products come with a free valuation and are available for purchases, remortgages, and further advances.

Rate Reductions for Existing Customers

TMW has also lowered switcher options for existing customers. Two-year fixed-rate deals now include a 2.72% rate with a 3% fee and a 4.25% no-fee alternative, both available up to 65% LTV. Additionally, a five-year fixed option at 3.54% with a 3% fee has been reduced for borrowers at the same LTV level.

Keir Fraser, lead manager at TMW, said: “We are always looking for ways to offer landlords our best range of products, so we’re delighted to be able to start the year with rate cuts for new and existing customers across our mortgage range.”

What This Means for UK Landlords

These mortgage rate reductions and incentives for energy-efficient properties demonstrate a clear trend towards sustainability in the UK buy to let market. Landlords looking to invest or remortgage may benefit from lower borrowing costs by focusing on properties with higher EPC ratings. Additionally, the rate cuts from TMW provide opportunities for both new and existing borrowers to reduce mortgage expenses, potentially improving rental yields and portfolio profitability.

Suggested internal link anchors

• buy to let mortgage rates
• energy-efficient homes
• energy performance certificate (EPC)
• limited company landlords
• buy to let remortgages
• loan-to-value (LTV)
• fixed-rate mortgage deals
• mortgage valuation
• property investment
• private rented sector regulations

TLA update

TLA is launching a new Trusted Partners Hub in Q1 2026, featuring verified and approved service providers selected to support landlords, tenants, and property management businesses. We are inviting legal, trades, insurance, financial, mortgage, tenant screening, and other service providers to register their interest here: https://landlordassociation.org.uk/become-a-tla-service-partner/