The first thing you should do is to improve the EPC rating in your house. If you make it a point to pay the taxes and timely file the tax returns, you will have a good credit score. This is very important because it affects the money that you get in the future. If you decide to apply for any kind of loan, you should know how to improve the EPC rating in your house. Many ways can help you in this regard.
use up the available discounts in the scheme
When you are applying for a home mortgage loan, the mortgage lender may check whether you have an EPC or not. If you have an EPC, it is a sign that you will pay your installments on time. You can improve the EPC rating in your home mortgage if you use up the available discounts in the scheme. For instance, if you have a home mortgage of 10 thousand dollars, you can use up to five hundred discount points. If you have taken a mortgage plan with a fixed rate of interest, it is obvious that you should make sure that you do not go above this figure.
the kind of house you live in
To improve the EPC rating in your house, you should also consider the kind of house you live in. If you live in a high-rise building, then obviously your EPC rating will be high. However, there are low-rise buildings as well and you should take the advantage of both situations.
maintain all the documents about your property
Another way to improve the EPC rating in your house is to maintain all the documents about your property. All the papers relating to the survey, building survey, loan report, insurance certificate, details about your previous owner, etc should be in perfect order. In case you do not maintain these papers properly, your EPC would fall. This means that you should take special care of the details so that you can improve the EPC rating in your house.
good credit rating
There are many ways to reduce the EPC mortgage insurance premium for you. If you have a good credit rating, then the mortgage lender will provide you a low rate of interest on the mortgage amount. You can also consider taking loans from family or friends. On paying back the loan installments regularly, your credit rating will improve gradually.
a low-priced home mortgage loan
To improve the EPC rating in your home mortgage, you should always make proper planning. If you are planning to buy a new home, you can choose a low-priced home mortgage loan. This is one of the best ways to improve the EPC rating of your home mortgage. On the other hand, if you are planning to sell your home, then choose a good and lucrative real estate property. All these tips will help you get a good mortgage deal for your home mortgage.