Government Propose Mortgage Restriction

Non-energy efficient property investments are at risk of experiencing strict mortgage restrictions according to the Director of National Home Improvement Council (NHIC), if the government get their way.

In a bid to prompt homeowners into improving the energy efficiency of their homes, the NHIC are proposing making mortgages more difficult to get a hold of for properties which reputedly waste energy.


Currently the government needs approximately 50,000 property investments a year to undergo energy-efficiency upgrades in order to reach their goal of reducing carbon emissions by 2050.

For this reason, the NHIC have suggested enlisting the requirement that all property investors must improve the energy efficiency of their new properties by approximately 50% - and prove that they plan to do so – before they will be given a mortgage.

And with the range of grants and home improvements schemes available, property investors should have no problems implementing these changes for minimal costs.

Currently this mortgage restriction is just an idea, but property advisors are confident that such changes are just around the corner and that it won’t be long before the necessity to make your home eco-friendly will be met by stricter lending requirements.

Original Article

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Jatinder Singh, Property Mentor Delegate

After years of watching others earn large capital gains from property, I knew reading about this niche wasn't enough to satisfy my curiosity, I needed to get MY slice of this strong investment vehicle too. That was x years ago and since then I have managed to: invest in 2 properties (one with a £60,000 saving); earn consistent £1,000+ monthly cash flows, and have got a couple more properties waiting in the pipeline. Read more