Top 5 Energy Efficiency Improvements That Won’t Jeopardise Your Mortgage

Improving your home’s energy efficiency is one of the smartest moves you can make as a homeowner. Not only can it reduce your energy bills, but it also helps reduce your carbon footprint. However, as we've seen with spray foam roof insulation, some energy efficiency upgrades can create mortgage headaches, especially when it comes to selling or re-mortgaging your property.

So what upgrades can you make that won’t raise red flags with lenders?

At Absolute Interior Solutions, we’re passionate about energy efficiency—but even more so about helping homeowners make informed, mortgage-safe decisions. Here are five top improvements that boost your home’s performance without risking its future saleability.

Top 5 Energy Efficiency Improvements:

1. Loft Floor Insulation (Fibre or Mineral Wool) (Top 5 Energy Efficiency Improvements)

Simple, cost-effective, and fully approved by mortgage lenders. Laying 270–300mm of mineral wool insulation on the floor of your loft significantly reduces heat loss—and it’s easy to install. Best of all, it doesn't interfere with your roof structure, making it a low-risk option from a lender’s perspective.

Pros:✅ Affordable✅ DIY-friendly or quick for a pro✅ Widely accepted by lenders

2. Draught Proofing Windows and Doors

Often overlooked, draught proofing is one of the cheapest and most effective energy-saving improvements. By sealing gaps around windows, doors, and letterboxes, you reduce unwanted air exchange and maintain a consistent indoor temperature.

Pros:✅ Inexpensive✅ Immediately noticeable comfort improvements✅ Zero impact on mortgage eligibility

3. Upgrading to Double or Triple Glazing

Replacing old single-glazed windows with energy-efficient double or triple glazing can transform your home’s warmth and soundproofing. These windows are mortgage-safe and typically raise your property’s EPC rating, which may even help your borrowing potential.

Pros:✅ Long-term energy savings✅ Improves security and property value✅ Seen as a valuable home upgrade by lenders

4. Installing Smart Heating Controls

Smart thermostats and heating systems (like Hive or Nest) allow for greater control of your home’s temperature, helping reduce waste. These upgrades are plug-and-play, fully reversible, and don’t alter your property’s structure—meaning no mortgage issues.

Pros:✅ Save on heating bills✅ No structural changes✅ Loved by tech-savvy buyers and lenders alike

5. Wall Cavity Insulation (Where Appropriate)

Filling the gaps between the external and internal walls of your home can significantly reduce heat loss. However, it’s important to have a professional survey done to confirm your property is suitable, as not all homes benefit from cavity wall insulation.

Pros:✅ Can reduce heat loss by up to 35%✅ Covered under many government schemes✅ Mortgage safe—if installed correctly by professionals

What to Avoid

As tempting as it may be to go for high-performance options like spray foam insulation, these often create more problems than they solve—especially with mortgage lenders, home surveys, and resale values. We do not recommend spray foam insulation for this reason.

Final Thoughts

Energy efficiency upgrades are a fantastic investment—but only if done smartly. By choosing tried-and-tested improvements like loft floor insulation or upgraded glazing, you can enjoy all the energy savings without the fear of mortgage complications down the line.

Need expert advice? Contact Absolute Interior Solutions today—we’re here to help you create a warmer, more efficient, and mortgage-safe home.