EPC Rating Matters More After the Energy Price Cap Rise

Energy bills just went up 13%, and your EPC rating decides how much that costs you

From 1 July 2026, the Ofgem energy price cap for a typical direct debit household rose to £1,862 a year, up from £1,641, a 13% increase driven mainly by higher wholesale gas costs. That is not a bill you can opt out of if you are on a standard variable tariff, but it is a bill your home’s efficiency has a direct say in. Two identical sized homes on the same tariff, in the same postcode, can end up hundreds of pounds apart depending on their EPC rating. If yours has not been reviewed in a few years, this is the moment it starts to matter financially, not just administratively.

The frustrating part for a lot of homeowners and landlords is that a price cap rise feels like something that just happens to you. The reality is more useful than that: the cap sets the maximum unit rate you can be charged, but your actual bill is driven by how much energy your home needs to stay warm and lit. That is exactly what an EPC measures. This article sets out what changed on 1 July, why gas heavy homes are hit hardest, and where an EPC review actually points to savings rather than just a certificate on file.

energy bill affected by 2026 energy price cap rise

What actually changed on 1 July 2026

Ofgem confirmed a 13% rise to the energy price cap on 27 May, taking the typical dual fuel direct debit household from £1,641 to £1,862 a year. The increase is not even across fuels: gas unit rates rose by around 24%, while electricity rose by roughly 5%. That split matters more than the headline number.

If your home relies heavily on gas central heating and has an older or poorly insulated fabric, this rise hits you harder than a typical modern flat with efficient heating and good insulation. This is precisely the kind of difference RdSAP 10 is designed to capture in an EPC: the modelled energy cost per square metre reflects fabric performance and heating type, not just floor area.

Why two similar homes can have very different bills

A common misconception is that EPC ratings are a rough guide, and that two similar sized houses will cost roughly the same to run. In practice, the gap can be significant. A 1930s semi with cavity walls that were never filled, single glazing, and an older gas boiler will use considerably more energy for the same internal temperature than a comparable home with cavity fill, double glazing, and a modern condensing boiler.

On a recent assessment in an older semi in Buckingham, the loft insulation looked reasonable from the hatch, but once inspected properly it was patchy and well below current recommended depth in several sections. That gap alone was enough to shift the modelled heating demand noticeably, and with gas prices up 24% this quarter, that is the sort of detail that now has a real pound sign attached to it.

Where an EPC review points you first

An EPC is not just a rating on a page. The recommendations section is ordered, generally starting with the changes that offer the best return for the cost involved. For most homes assessed under RdSAP 10, that tends to mean:

  • Loft insulation topped up to current recommended depth
  • Cavity wall insulation, where the construction type suits it
  • Heating controls, such as thermostatic radiator valves and a room thermostat
  • Draught proofing around doors, windows and letterboxes

These are usually the lowest cost, fastest payback measures, and with gas rates up sharply this quarter, the payback period on several of them has effectively shortened.

loft insulation assessed for EPC rating

What this means for landlords specifically

Landlords already have a reason to take EPC ratings seriously beyond bills: Minimum Energy Efficiency Standards currently require a minimum E rating for most tenancies, and proposed changes would raise that threshold in the coming years. An energy price cap rise adds a second, more immediate pressure. Tenants in poorly performing properties are the ones who feel a 24% gas price rise most directly, and that increasingly shows up in enquiries, complaints and void periods for landlords with underperforming stock.

rental property EPC rating and minimum energy standards

Getting the sequencing right

It is worth resisting the urge to spend on the most visible improvement first. Solar panels and new boilers are popular choices, but if the property still has poor loft or wall insulation, some of that new heat is simply escaping faster than it needs to. A proper EPC assessment sets out the recommended order for a reason: fix the fabric first, then the heating source, then consider generation.

Looking for Guidance?

If your EPC has not been reviewed since prices last spiked, or you are unsure where your home’s rating actually stands, get in touch. A fresh assessment will show you exactly where the modelled cost is coming from, and what genuinely moves the needle. Get in touch using the form below.

Get in Touch

Energy Price Cap FAQs

What is the fastest EPC improvement to make right now?2026-07-20T12:34:52+01:00

For most homes, topping up loft insulation and improving heating controls tend to offer the quickest, lowest cost improvement in rating and running costs, though the right first step depends on the property’s construction.

Is the price cap the same as my actual bill?2026-07-20T12:34:31+01:00

No. The price cap sets the maximum unit rate and standing charge a supplier can charge on a standard variable tariff; your actual bill still depends on how much energy your home uses.

How old can my EPC be before it stops being useful?2026-07-20T12:33:28+01:00

An EPC remains legally valid for 10 years, but if your home has since had work done, or your bills feel out of step with the rating, it is worth having it reviewed rather than relying on an outdated snapshot.

Does a better EPC rating actually lower my energy bill?2026-07-20T12:32:51+01:00

A better EPC rating means the modelled cost of heating and lighting the home is lower, which generally does translate into lower bills. But the rating is based on standardised assumptions about occupancy and heating patterns, not how a specific household actually lives, so it’s an indicator of a property’s efficiency rather than a guarantee of what any individual’s bill will be.

Why did gas prices rise more than electricity in July 2026?2026-07-20T12:32:00+01:00

Ofgem’s July 2026 price cap update reflected higher wholesale gas costs, pushing gas unit rates up by around 24%, compared with roughly a 5% rise in electricity unit rates.

What is an EPC?2025-08-19T21:04:56+01:00

An Energy Performance Certificate (EPC) assesses a property’s energy efficiency and environmental impact, rating it from A (most efficient) to G (least efficient). EPCs provide guidance on energy-saving improvements and are required by law when a property is sold or rented.

How much does an EPC cost?2025-08-19T21:04:24+01:00

Costs vary depending on property size, type, and location. Bluewire Hub offers competitive rates, which include a full assessment and a certificate for legal compliance.

How long does an EPC assessment take?2025-08-19T21:03:59+01:00

A typical EPC assessment takes 45–90 minutes, depending on property size and complexity. The assessor inspects all rooms, heating systems, insulation, and energy-using features to produce an accurate rating.

Do I need an EPC if I am letting my property?2025-08-19T21:08:25+01:00

Yes. Landlords must provide a valid EPC to tenants before renting. Failure to comply can lead to fines. EPCs also help attract tenants by demonstrating energy efficiency.

Can I combine a floor plan with my EPC appointment?2025-08-19T21:06:28+01:00

Yes. Scheduling a floor plan alongside an EPC is efficient, reducing multiple visits and providing a comprehensive overview in one appointment.

EPC and smart meters – do they affect your energy rating?2026-08-21T19:53:53+01:00

Having a smart meter is recorded on your EPC under RdSAP 10, but it doesn’t affect your rating or band. EPCs are based on your building’s construction, insulation, and heating systems, not how you monitor your usage.

A smart meter is noted for reference, similar to solar panels or battery storage, but it has no bearing on the calculated running costs behind your score. It’s important the assessor can access your meters to record the correct type. That could change in future EPC versions as smart energy management becomes more widespread, but for now it’s recorded, not scored.

Battery storage and EPC ratings – are systems included and do they affect the score?2026-08-21T19:53:25+01:00

Battery storage is recorded as part of the EPC assessment under RdSAP 10, but it usually has little to no effect on the actual rating. EPCs are based on modelled energy costs rather than real usage, so unless a battery is specifically set up to cut electricity demand at peak times, it won’t meaningfully lower the estimated cost used in the calculation.

Batteries paired with solar can be genuinely useful in practice, they just don’t tend to move the needle on your EPC band yet. That could change as time-of-use tariffs and smarter systems become more common.

What are the EPC lighting changes under RdSAP 10?2026-08-21T19:59:01+01:00

Lighting is now assessed bulb by bulb rather than by fitting. Assessors count and classify every bulb in the property, LED, CFL, or incandescent, rather than estimating from fitting types.

This lets the EPC model reflect actual lighting energy use more accurately: the more low-energy bulbs you have relative to the total, the better your lighting score. Properties with a lot of halogen or incandescent bulbs may see a slightly lower score than under the old methodology.

The change reflects how widely LEDs have been adopted in UK homes, while still accounting for any inefficient bulbs that remain, giving a more realistic picture of a property’s actual energy use.

What is involved in the EPC inspection process, and will it cause disruption?2026-08-21T19:54:59+01:00

The assessor needs to walk through the whole property, every room, the loft, boiler, hot water system, and meters, to collect the data required under RdSAP 10.

It’s non-invasive: no drilling, lifting floorboards, or opening up the boiler casing. They won’t carry out any work, but do need clear access to inspect walls, measure windows, check heating controls, and evidence any insulation that’s visible. If access to the loft hatch or boiler cupboard is blocked, they may have to make assumptions or arrange a second visit. Paperwork for solar PV, window installation dates, or cavity wall insulation is helpful if you have it.

Visits typically take 45 to 90 minutes. Read more about getting ready for your EPC.

Should I get an updated EPC after improvements to my property?2026-08-21T19:58:23+01:00

Worth considering, yes. Your original EPC stays valid for 10 years, but it only reflects the property’s condition at the time of assessment. Upgrades made afterwards, new insulation, a replacement boiler, solar panels, or structural changes like an extension or loft conversion, won’t show up in your current rating.

An updated EPC captures the improvement, which helps with marketability, compliance with upcoming legislation, and eligibility for grants. For landlords this matters if the changes bring the property closer to the proposed Band C requirement for new tenancies.

Looking for advice on improving your rating? Read our guide here.

How does my EPC rating impact on property value or letting potential?2026-08-21T19:52:40+01:00

A higher EPC rating makes a property more appealing to buyers and tenants, who increasingly weigh up running costs and energy efficiency. It’s also linked to lower bills and better comfort, both of which matter in a competitive market.

Some mortgage lenders now offer better terms for energy-efficient homes. For landlords it’s more than a selling point, from 2025 newly rented properties in England and Wales are expected to need at least an EPC Band C, with fines for non-compliance.

As standards tighten and buyers grow more energy-conscious, properties with poor ratings may become harder to sell or let, so improving your rating now helps future-proof the property.

Can I query my EPC if something seems incorrect?2026-08-21T19:52:15+01:00

Yes. Start by contacting the assessor who carried out the survey, most concerns can be resolved with a conversation, and every assessor has a formal complaints process if you need to escalate.

Assessors keep detailed records and evidence from the inspection, so they can clarify or correct entries and reissue the report where appropriate. Bear in mind they can’t take your word alone for disputed items like floor or ceiling insulation, there needs to be documentary evidence.

If it’s still not resolved, you can escalate to the assessor’s accreditation scheme, who can investigate or require a reassessment. It’s worth acting promptly, since your EPC stays valid for 10 years regardless of any ongoing query.

Are renewable systems such as heat pumps, solar panels included?2026-08-21T19:57:53+01:00

Yes, heat pumps, solar PV, solar thermal, and battery storage are all recorded in your EPC assessment. Under RdSAP 10 they’re modelled in more detail, but your rating is based on calculated running costs, not carbon savings, so the actual impact varies by system.

  • Heat pumps can improve your rating if they replace a less efficient heating system.
  • Solar PV is modelled on system size, orientation, and overshading, and is likely to help your rating.
  • Battery storage is recorded but currently has little effect on the score.
  • Solar thermal can help by offsetting hot water demand.

Planning to install renewables? It’s worth checking with a qualified assessor first on how the improvement is likely to show up in your rating.

How do I find a reliable, qualified EPC assessor?2026-08-21T19:50:56+01:00

Look for an assessor who’s fully accredited and trained in the current RdSAP 10 procedures. You can check accreditation on the government’s EPC register.

A local assessor with a strong reputation and experience across different property types is often a good bet, construction, heating systems, and renewables all vary, and familiarity with these helps an assessor capture your home’s energy performance accurately.

Before booking, ask how long they’ve been accredited, whether they know local building styles, and whether they can offer clear pricing and timelines upfront.

What is the cost of a domestic EPC?2026-08-21T19:50:20+01:00

Expect to pay between £96 and £175, depending on your property’s location, size, age, and layout. A small flat with simple construction sits at the lower end; a large detached house with multiple heating zones or renewables costs more.

The fee covers pre-visit research, the on-site data collection required under RdSAP 10, and preparing the report afterwards. Watch out for comparison sites advertising low headline prices, a large share often goes to the website rather than the assessor doing the work. Contacting a local accredited assessor directly usually gets you a fairer price and a service tailored to your property.

How long does an EPC last?2025-08-19T21:12:45+01:00

How long does an EPC last?

An Energy Performance Certificate is valid for 10 years from the date of issue. There is no legal requirement to renew it within that time, unless you are selling or letting the property again—at which point a valid certificate must be in place.

However, we recommend updating your EPC if you’ve made significant energy improvements. This might include installing a new boiler, upgrading insulation, adding solar panels, or fitting an air source heat pump. A new EPC will reflect these changes and may result in a higher energy rating.

An up-to-date certificate not only helps when marketing a property but may also support compliance with future regulations or eligibility for funding schemes. Increasingly, we’re seeing mortgage lenders take EPC ratings into account, with properties that achieve higher ratings often qualifying for lower interest rates.

Why don’t EPCs usually recommend window replacements?2026-08-21T19:49:46+01:00

Because the efficiency gain rarely justifies the cost. Your assessment records window details in full, width, height, orientation, frame material, glazing type, age, and gap, but this is mainly used to calculate heat loss rather than to recommend replacement.

Replacing windows delivers a relatively small SAP score improvement for the money, so measures like better insulation, a heating system upgrade, or improved heating controls usually appear higher on the recommendations list instead.

What is an Energy Performance Certificate (EPC) and why is it required?2025-08-19T21:13:04+01:00

An EPC shows how energy efficient a home is and is legally required when selling or letting residential property in the UK.
It rates the energy efficiency of a domestic property from A (most efficient) to G (least efficient). It includes estimated energy costs and tailored recommendations for improvement. EPCs are a legal requirement when a home is built, sold, or rented. They help prospective buyers and tenants understand running costs and inform decisions about upgrades and compliance.

What has changed under RdSAP 10 (from June 2025)?2026-08-21T19:48:38+01:00

RdSAP 10 collects more detailed data for a more accurate EPC rating. Key changes include:

  • Every window is now individually measured and assessed.
  • Insulation is recorded by location, type, and thickness.
  • Heating systems and renewables are modelled more accurately.
  • Ventilation, including extractor fans and flues, is recorded in more depth.
  • Air tightness is now part of the modelling, using measured values where available.

Assessments may take slightly longer, but the result better reflects how the property actually performs.

Does the EPC include recommendations to improve energy efficiency?2026-08-21T19:49:05+01:00

Yes. The RdSAP 10 software generates improvement recommendations automatically from the data collected during your assessment, things like better insulation, a newer boiler, or renewables such as solar panels or a heat pump.

To be included, a recommendation must improve your SAP score by at least one point, and suggestions are ranked by cost-effectiveness. They’re standardised guidance based on the data gathered, not a full survey, so practical factors like planning restrictions or available space aren’t accounted for.

Who is legally required to have an EPC for a home?2026-08-21T19:47:57+01:00

Homeowners and landlords are legally required to have a valid Energy Performance Certificate (EPC) before marketing a property for sale or let. It gives buyers and tenants clear information about the property’s energy efficiency and expected running costs.

Tenants don’t need to obtain an EPC themselves, but they’re entitled to a copy from their landlord. Marketing a property without a valid EPC can lead to financial penalties.

Not sure if your property needs one, or how to get one? Get in touch.

2026-09-12T08:24:54+01:0020 July 2026|Energy-Saving Tips|
Go to Top