Retrofit decisions, made the way a credit committee makes them.
Verdintel helps UK landlords, lenders and growing businesses decide what to upgrade first, what to defer, and when spending money early quietly destroys value.
Or email hello@verdintel.com
The EPC Upgrade Decision Matrix
A lender-aligned Excel tool that turns a UK property's details into a prioritised, sequenced upgrade plan. It grades the building fabric, scores six upgrade categories, phases the work against your refinancing window and tests whether retrofit beats selling.
- Excel and Google Sheets
- Residential and commercial
- No macros, no subscription
£29.99 · free edition available
The Fabric Gate
Grade the building before you spend on it.
Every Fabric First assessment starts with one question: how good is the envelope? The answer decides which upgrades are allowed to compete for capital. It is the step that stops the most expensive mistake in retrofit, electrifying a building that still leaks heat.
- Poor
Fix the envelope first
Little or no loft, wall or floor insulation, single glazing or high air leakage. Spending on the heating system now buys an oversized system for a building that will change.
Fabric first. Controls and lighting can proceed. Heating upgrades, heat pumps and solar wait.
- Adequate
Proceed, with a penalty
Core insulation is in place but with gaps. Most measures can be scored, and the remaining fabric work is planned around the next refurbishment.
Score all measures. Heat pumps and solar carry a one-point penalty.
- Strong
Score on merit
A well-insulated envelope, good glazing and controlled airtightness. Electrification and on-site generation now earn their place on the numbers.
All measures scored without penalty.
The dates your capital plan has to hit
Confirmed policy, England and Wales
These are confirmed government positions. Some still need regulations before they become law, and we track the difference.
EPC C equivalent for all tenancies, on a fabric-first, dual-metric test. Required spend capped at £10,000 per property.
Last date to lodge an EPC C on the current rating and have it count until it expires.
Reformed EPCs, built on the Home Energy Model, expected to replace the single A to G rating with four metrics.
EPC B where cost-effective for larger privately rented non-domestic buildings. Smaller buildings stay at E for now.
Services
Four ways we work
Tools you can use yourself, and fixed-fee work where you want us to do it with you.
Fabric First
The EPC Upgrade Decision Matrix tells you what to do first, what to defer and when to sell instead. Use it yourself, or have us run it across your portfolio.
Read more →Retrofit Bankability & Green Finance
Retrofit plans get rejected or repriced when they ignore what a credit committee weighs. We make the plan and the evidence fit before you apply.
Read more →Climate & EPC Portfolio Analytics
EPC, flood and subsidence exposure across a property book, benchmarked against peers and written up for committees and disclosures.
Read more →Training & Workshops
Practical sessions on retrofit through a credit lens, EPC reform and green lending, built around your team's real cases.
Read more →Why Verdintel
Everyone else in this space is selling something. We can tell you to spend less.
Installers sell measures. Assessors sell certificates. Lenders sell loans. Verdintel sells judgement, so the answer can be "not yet", "do the cheap thing first" or "sell this one".
That judgement comes from the lender's side of the table. Our founder, Dr Tobi Elusakin, has worked across buy-to-let and commercial lending, credit committee processes, buildings insurance risk, green and sustainability-linked finance, and property energy and emissions strategy.
How we build every tool
- Take a requirement people find confusing.
- Separate what is mandated from what is merely encouraged.
- Find the sequencing error that wastes the most money.
- Build a gate that stops people making it.
- Score options on capital efficiency, not virtue.
- Say plainly when the answer is "don't do this".
Start with a 30-minute call
Tell us about the property, the portfolio or the finance you need. We will tell you plainly whether we can help, and what a fixed-fee piece of work would look like.