Enabling a portfolio approach to net zero retrofitting of mortgaged, shared ownership and private rented properties

根据英国国家统计局的数据，在英格兰，相当大一部分房产(超过47%)要么拥有抵押贷款(680万套)，要么拥有私人租赁部门(480万套)。还有20万套来自社会住房部门的房屋共享所有权(Commons Library，2021)。对这些房产采取投资组合方法进行净零升级是实现英国碳减排目标的关键，但考虑到可以采取投资组合方法的组织(即抵押贷款机构、管理代理或住房协会)并不是唯一的决策者，因此更加复杂。Propflo是房屋的“数字中心”，为房主提供财产洞察和工具，以节省资金和数字管理他们的财产。我们向抵押贷款经纪人和房地产代理等企业收取B2B工具(包括房主自注册、参与、潜在客户生成和数据洞察工具)的订阅费用。其中一款产品是Green Value工具，目前设计用于个人房主，让他们看到节能改造的全部好处，而不仅仅是节能和能源性能证书(EPC)对环境的影响。这一专有模型包括房产的总寿命价值，以及弹性(房产的自给自足和宜居程度)以及房产的未来防御性(它能从未来的网格技术和服务中受益吗？)。这些增加的维度考虑了脱碳、能源安全和健康家庭等领域，以提供更全面的观点。在这个项目中，我们建议为抵押贷款、共有所有权和私人租赁部门开发该工具的投资组合解决方案，并使用抵押贷款机构、管理代理和房东可能拥有的其他数据点(如构建调查数据)来增强它，以帮助他们针对措施、总需求(和市场确定性)、降低成本、促进重大私人投资，并为他们的客户(物业的最终决策者)提供持续的参与平台。

According to the ONS, a significant proportion of properties (over 47%) in England are either owned with a mortgage (6.8m) or in the private rented sector (4.8m). There are also 0.2m homes from the social housing sector that have shared ownership (Commons Library, 2021).Taking a portfolio approach to net zero upgrades for these properties is key to meeting the UK's carbon reduction targets, but is more complex given that the organisations that can take a portfolio approach (i.e. mortgage lender, a managing agent, or housing association) are not the only decision makers.Propflo is the 'digital hub' of the home with property insights and tools for homeowners to save money and digitally manage their property. We charge businesses such as mortgage brokers and estate agents subscriptions to our B2B tools (including homeowner onboarding, engagement, lead generation and data insight tools).One of these products is the Green Value Tool that is currently designed for individual homeowners to see the full benefits of energy efficient retrofitting of their property beyond just energy savings and environmental impact from the Energy Performance Certificate (EPC). This proprietary model includes the total lifetime value added to the property, as well as increases to the resilience (how self-sufficient and 'liveable' is the property) and how future-proof the property is (could it benefit from future grid technologies and services?). These added dimensions take account of decarbonisation, energy security and healthy homes amongst other areas to give a more holistic view. Recommendations are then linked to a national installer partner.In this project, we propose to develop a portfolio solution of this tool for the mortgage, shared ownership and private rented sectors and enhance it with other data points that the mortgage lenders, managing agents and landlords may have (such as building survey data) to help them target measures, aggregate demand (and market certainty), lower costs, facilitate significant private investment, and provide an ongoing engagement platform for their customers (the ultimate decision makers for the property).