«"On August 12, 2025, the Order ECM/599/2025, of June 10, which introduces a decisive change in the real estate market: from now on, to carry out a mortgage appraisal it will be essential to have a energy performance certificate (EEC) in force.
Although the energy certificate has been mandatory since 2013 in sales and rental transactions, the new regulations further reinforce its importance, making it an essential document within any mortgage process.
What does this change mean?
Until now, the energy certificate was a mandatory document in the sale and purchase of homes since 2013. However, with the new regulation, it also becomes an indispensable requirement for the valuation of a property for mortgage purposes.
This means that, from now on, both the appraiser and the financial institution must verify that the property has a valid and properly registered energy performance certificate. Otherwise, the appraisal could be delayed or even not completed, directly affecting the purchase, sale, or refinancing transaction.
The new regulations amend the previous rules on mortgage valuations and incorporate energy efficiency as an additional factor in property valuation. This change aligns with European sustainability policies and the growing importance of energy efficiency in the real estate sector.
Why is the energy certificate important?
The energy efficiency certificate It is an official document that analyzes the energy performance of a home or building and provides information on its consumption and efficiency level.
Among other things, the certificate indicates:
- The estimated energy consumption of the property under normal usage conditions.
- The energy efficiency level, using a letter scale of the A to G, where the letter A corresponds to the most efficient properties and G to the least efficient ones.
- The CO₂ emissions associated with the property.
- Recommendations for improving energy consumption and optimizing home efficiency.
Besides being a legal requirement, the energy certificate has become an increasingly valued tool for buyers and investors, as it allows them to understand the energy performance of the property and anticipate possible future expenses for heating or electricity consumption.
Until this year, only architects and engineers could issue certificates. With the new regulation, other professionals trained and accredited by the autonomous communities will also be able to do so in the case of existing buildings.
Differences between completed and under-construction buildings
The new regulations also distinguish between buildings that are already completed and those that are still under construction or in the project phase.
- In the case of the completed buildings, The already registered energy certificate must be provided.
- In the buildings under construction or planned, It will be necessary to submit both the certificate and the corresponding registration application, ensuring that all information matches correctly.
This measure seeks to ensure greater transparency in real estate transactions and offer more security to both buyers and financial institutions.
More professionals will be able to issue certificates
Until now, the issuance of energy performance certificates was primarily reserved for architects and engineers. However, the new regulations extend the possibility of issuing these certificates to other professionals who have the appropriate training and are accredited by the regional governments through a declaration of responsibility.
The aim is to streamline procedures and facilitate access to these types of certifications, especially in a context where the demand for energy certificates is expected to increase due to their new relevance in mortgage valuations.
A key document for any real estate transaction
The entry into force of this regulation confirms the growing importance of sustainability and energy efficiency within the real estate market. The energy performance certificate is no longer a secondary document but has become a key element in the purchase, sale, rental, or refinancing of homes.
For this reason, it is advisable to always check that the certificate is valid and correctly registered before starting any real estate or mortgage transaction, thus avoiding delays, incidents or blockages during the process.
In an increasingly professionalized and regulated market, having all documentation up to date is essential to ensure safer, more agile and transparent operations.
Conclusion
The energy certificate is no longer a simple requirement in the purchase and sale of homes, but has become a key element in the mortgage valuation.
A document that now directly influences the buying, selling, renting or investing in real estateThe information should be kept up to date at all times to ensure the safety of the operation.
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