EPC

An explanation of the key terms relating to EPC data, including articles answering common questions.

An Energy Performance Certificate (EPC) rates a property’s energy efficiency on a scale from A (most efficient) to G (least efficient). 

EPCs are a key tool for mortgage lenders to assess property compliance with regulations like MEES and evaluate potential upgrades. 

Enhanced EPC data, supported by predictive modelling, allows for more accurate risk assessments and aligns with decarbonisation strategies.

Read more:

• Six flaws of basic EPC data
• How to enhance basic EPC data 
• Key EPC metrics, such as EER and EIR
• How 4 out of 5 homes can reach EPC C affordably
• How to integrate EPC data into affordability assessments
• How EPCs impact property values
• A complete guide to EPC data 

The Standard Assessment Procedure (SAP) is the UK government’s methodology for calculating a property’s EPC rating. 

It evaluates factors such as insulation, heating systems, and energy use. 

For mortgage lenders, SAP ratings are essential for assessing property energy efficiency and prioritising green finance initiatives. Enhanced understanding of SAP calculations improves portfolio management and compliance with energy efficiency standards.

Read more:

• A complete guide to SAP calculations
• How the Home Energy Model (HEM) will replace SAP

Energy efficiency refers to a property’s ability to minimise energy waste and optimise energy use, reducing costs and emissions. 

To meet net zero targets and prevent worsening climate impacts, therefore, it’s vital that we increase the energy efficiency of UK homes to reduce their emissions.

In 2024, 49% of UK homes are still rated an EPC D or below – these are considered to be inefficient.

Energy efficiency improvements can be promoted through green mortgages and retrofit financing, aligning with decarbonisation strategies.

Read more:

• Why promoting energy efficiency improvements is worth time and attention
• How to convince more homeowners to make energy efficiency improvements

A broad term encompassing all data related to an organisation’s Environmental, Social, and Governance (ESG) practices.

ESG data is used to evaluate a portfolios’ environmental performance, aligning decarbonisation strategies with climate goals and reporting requirements.

Fundamental to property portfolios is EPC data, which provides the baseline for nearly all property datasets related to climate. In the past, companies have relied on freely available EPC data from the UK government, through the EPC Open Data website or the EPC register. 

However today, companies like Kamma are making it possible to access enhanced EPC data and move away from the limitations of the government’s databases.

Read more:

• How open differs from enhanced EPC data