Landlords could get preferential treatment when applying for mortgages if their properties are energy efficient, as lenders begin to launch new green products to the market.  

This week, Paragon Bank launched a new range of buy-to-let mortgages which offer lower-deposit options to landlords whose properties have an Energy Performance Certificate rating between A and C.

It is offering mortgages with 20 per cent deposits to portfolio landlords who fit in to this bracket - less than the 25 per cent minimum that those with less energy efficient properties must put down.

The five-year fixed rate is 3.99 per cent for a self-contained property and 4.19 per cent for an HMO, the latter of which is market-leading. 

Both are fee-free and come with £350 cashback, and they are available for both purchase and remortgage.

Paragon, a specialist lender, said it wanted to encourage landlords to invest in greener homes and increase the proportion of A-C rated properties in the market.

'Lenders are offering these products to show that they are supporting environmental concerns,' says David Longhurst, director at broker Connaught Private Finance.

'With developers also now working to build greener houses it is only natural that they would then follow suit.'

So is the new loan offering enough of a money-saving incentive?  

Landlords with self-contained properties would probably be able to access an equivalent non-green labelled product with a better rate, but Paragon's fee-free offer could be enticing. 

'The equivalent non-green labelled product would cost less, around 3.5 per cent,' says Mark Harris, chief executive of mortgage broker SPF Private Clients. 

'But the Paragon rate benefits from no product fee and a free valuation, whereas alternatives could have arrangements fees of between £1,000 and 2 per cent.' 

Under Government proposals, homes in the private rented sector will need a minimum EPC rating of C for new tenancies by 2025, and all homes in the sector will require that rating by 2028. 

The number of green products on the market is growing as landlords rush to get up to speed. 

Foundation Home Loans has launched a Green Reward Remortgage, which has a higher minimum deposit requirement of 25 per cent. It has a five-year fixed rate of 3.75 per cent, a and is available whether the property is held in a personal name or via a limited company.

It has a 0.75 per cent arrangement fee, which is lower than the lenders' usual charge, and offers £750 cash back up to a loan size of £1m. 

Like the Paragon mortgages, it is also available exclusively to landlords with properties that have EPC ratings from A to C.

Paragon also launched a Green Further Advance product in February, which is designed to help landlords carry out upgrades to properties with EPC ratings of D or lower. 

However, landlords must have been accepted for a Government Green Homes Grant in order to apply - and that scheme has now been axed.

Richard Rowntree, Paragon Bank's managing director of mortgages, says: 'Landlords have made great strides in adding more energy efficient homes to the private rented sector - or upgrading properties to C or above standard - over the past decade. 

'However, more needs to be done as the Government moves towards its net zero carbon target by 2050 and landlords have a key role to play in that.

'Our new range of products at 80 per cent loan-to-value for homes with an energy rating of C or above will be an incentive for landlords to add energy efficient homes to the sector, benefiting tenants through lower energy bills and the environment through reduced consumption.'

Lenders' motives may not be wholly altruistic, however, as there are signs that the Government could start to put pressure on mortgage companies to improve the energy efficiency of the homes they lend on.

Mortgage lenders may soon be required to track and annually disclose the average Energy Performance Certificate rating of the properties they lend against.

The Government could then use this information to publish 'lender league tables' based on the average EPC ratings within their portfolios.   

If more lenders start to offer incentives to landlords with better EPC ratings, this could lead to reduced rates in future. 

There are currently about 29 million homes in the UK, of which 19 million have an EPC lower than C, according to the Government's Climate Change Committee.  

Fitting loft, under floor or cavity wall insulation; upgrading to double or triple glazed windows; draught proofing and hot water tank insulation are just some examples of improvements that can boost an EPC rating.

Lenders have already offered incentives to home buyers with energy efficient properties for some time, and brokers say that this could be replicated in the buy-to-let sphere.  

'A number of lenders in the owner-occupier world already offer more keenly-priced mortgage rates for greener or more efficient EPC-rated properties,' says Harris.

'It was only a matter of time before this was replicated in the buy-to-let sector.

'Green finance and green mortgages have been rising up the agenda for the past few years, and we expect this to increasingly be the case.'

Upgrading their properties specifically to get a better mortgage deal might not always make financial sense for landlords, however. 

Matt Coulson, director at broker Heron Financial, says: 'Existing property owners could invest in improved insulation or new windows, but the overall financial gains are small, in terms of securing a more favourable mortgage rate.

'The real gain here is that all of these changes and incentives add up to making a difference to the environment and our move towards net zero.' 

Energy efficiency for its own sake is something that many landlords may struggle to get on board with.  

Jeremy Leaf, North London estate agent, says both landlords and tenants currently have 'insufficient regard' for energy efficiency. 

'It is only when utility charges are higher, for example, that people notice and are likely to change their behaviour,' he says. 

According to the Department for Business, Energy and Industrial Strategy, the average energy running costs for a home with an EPC rating of C in England are around £300 cheaper than for a band D home, and £740 less than for a band E home. 

Tax incentives are another way that landlords could potentially be brought on board with the green agenda. 

'In future, landlords will have access to lower rates and fees which will help increase the profitability of the property,' says Longhurst. 

'At the same time, the tax regime regarding maintenance versus improvements needs to be reviewed to encourage landlords to do more.'

Although access to better mortgages, the threat of higher bills and tax changes can all sweeten the deal, many landlords are likely to be incentivised most by the potential penalties if they do not upgrade their properties. 

The requirement to be at EPC grade C by 2028 is drawing closer, and those with older or less efficient properties need to be prepared.  

Britons with Android smartphones and tablets have been urged to watch out for fake software updates that could give away passwords, financial information and even let criminals take control of their devices.

Computer security company McAfee warned it had noticed a spate of malware trojans originally from Brazil targeting the Google Play Store and trying to trick users into downloading them.

In Britain, where phones with the Android operating system account for almost half of the market, people have also been told to be on the lookout.

So-called 'BRATAs', or Brazilian Remote Access Tool Android, originally appeared in the South American country in 2018, according to McAfee, and became widespread from January 2019.

Now spreading elsewhere, these RATs pose as security apps which tell their users they need to update their software, whether that is a search engine like Google Chrome, a messaging app like WhatsApp or even a PDF viewer.

However, rather than updating these apps, they install malicious software, malware, which allows criminals to take control of devices.

According to McAfee, these trojans can display phishing websites which are used to harvest financial details which can be used to steal money or commit identity theft; and can directly capture lock screen details like a password or keystrokes through keylogging software. They can even introduce screen recording software.

The company said it had found at least five malicious apps in the Google Play store, where Android users can download everything from Candy Crush to TikTok, which were capable of such actions.

Most were downloaded between 1,000 and 5,000 times, but one had as many as 10,000 downloads.

Of the ones McAfee said it had found, the first was discovered in May and the latest last October, all of which had been removed by Google from its store. 

They all posed as security software, calling themselves names like 'PrivacyTitan' and 'SecureShield'.

While they initially targeted Brazilians or other Portuguese speakers with Android phones, these malicious apps have become more widespread.

'In June we noticed that threat actors behind BRATA started to add support to other languages like Spanish and English, McAfee said in a blog post published on Monday.

'Depending on the language configured in the device, the malware suggested that one of the following three apps needed an urgent update: WhatsApp (Spanish), a non-existent PDF Reader (Portuguese) and Chrome (English).'

Although McAfee had not suggested these apps had become widespread in the UK, Britons living through a fraud epidemic which has stolen hundreds of millions of pounds during the pandemic were urged to be on their guard.

Impersonators throughout the coronavirus pandemic have posed as legitimate financial firms, parcel delivery companies, and even the NHS and the Government, using cheap number-spoofing software.

As a result, this could simply be the latest step. Ray Walsh, from the company ProPrivacy, said news of the spread of the 'sophisticated' trojan meant it was 'vital' those in the UK were warned they could be infected.

He said: 'By accepting and agreeing to accessibility services, the user installs a sophisticated banking trojan that gives the hacker full remote control over their device.

'The exploit works by taking full control of the infected device, allowing the hackers to display phishing webpages that steal the victim's banking credentials, capture their screen lock passcode, and perform keylogging to steal other sensitive credentials and passwords.'

Walsh added: 'It is vital that users are extremely wary of any apps they install, and that they do not accept updates for their apps outside of the official Play Store, which will automatically update and patch their apps when needed. 

'Always be wary of any apps that prompt you to update existing apps for security purposes, and never accept accessibility services.

'Always check an app's reputation before installing it and stick to well-recognized apps, even if you are sourcing them on Google Play.'