The 2030 EPC Countdown

Future-Proof Your Portfolio Today

The “Warm Homes Plan” is here. By October 1st, 2030, all rental properties must reach EPC Band C. Whether you need a £5,000 quick fix or a total portfolio refinance, Acorn Finance has the funding to get you there.

1. The 2026 Regulatory Reality

The government has confirmed the final roadmap. The days of “wait and see” are over.

One Deadline: October 1, 2030 (For all tenancies, new and existing).
The £10,000 Cap: You are not required to spend more than £10k per property.
The 10% Safeguard: If your property is valued under £100k, your cap is limited to 10% of the property’s value.
Fabric First: New 2026 metrics prioritise insulation. You can no longer “buy” a C rating with just a new boiler.

2. Funding Made Simple: Choose Your Path

Raising the funds shouldn’t be harder than the renovation itself. We’ve streamlined the process into three clear tiers:

The Fast Fix - Acorn Rent Advance

Best for: Loft insulation, LED upgrades, and minor draught-proofing.

£5,000 – £50,000

Funds in your account within 24 hours. The Benefit: No hard credit checks and no monthly "loan" payments—the advance is simply repaid via a small portion of your future rent.

Apply for a Rent Advance

The Property Refresh (Refurbishment Loan)

Best for: Double glazing, new heating systems, and external wall insulation.

£25,000 – £100,000+

Approval in 48 hours; funding in 7–14 days. The Benefit: Competitive rates that allow you to significantly increase the property's capital value and move onto a lower "Green Mortgage" rate once the work is done.

Enquire About Refurbishment Finance

Tier 3: The Portfolio Power-Play (Equity Release & Refinance)

Best for: Professional landlords with 3+ properties looking to upgrade everything at once.

Portfolio-wide (£250k+)

The Benefit: We restructure your existing debt to release "Green Equity." You get the cash to upgrade your whole portfolio to Band C, often while reducing your overall monthly interest costs.

Speak to a Portfolio Specialist

How It Works (The 3-Step Success Plan)

01. Get Your 2026 Energy Roadmap

Don't guess. Under the new 2026 Home Energy Model, we help you identify the "High Impact" fixes that actually move the needle for your property.

We provide a free compliance checklist to ensure every pound you spend counts toward the £10k cap.

02. Pick Your Funding Path

Whether it’s a quick Acorn Rent Advance for minor insulation or a full refinance to release equity, we match the money to the project.

Decisions in as little as 24 hours. No “Computer says no” bank delays.

03. Upgrade & Save

Complete your works before the 2030 rush. Once you hit Band C, your property value increases and your tenant's bills drop.

We’ll then transition you onto a Green Mortgage, rewarding your investment with lower long-term interest rates.

4. Why Use Acorn Instead of Your Own Cash?

Protect Your Liquidity: Keep your cash for new acquisitions; let the property’s own yield pay for its upgrades.
Tax Efficiency: Interest on EPC improvement loans is generally a tax-deductible business expense.
Beat the 2029 Bottleneck: Tradesperson costs are predicted to rise by 25% as we approach the 2030 deadline. Lock in today’s prices with tomorrow’s rent.