Enabling the mortgage industry to drive net zero retrofitting through a data-driven portfolio approach

住宅物业占全球碳排放的20%，到2050年，70%的住宅今天已经存在；因此，翻新对于实现英国到2050年净零的法律约束目标至关重要。抵押贷款机构的投资组合中有620万自住、私人租赁和共享所有权的物业，评级低于C级。这占英国住宅物业的24%，需要超过810亿GB的投资才能使这些物业至少达到C评级。贷款人及其经纪人预计将在2024年占据抵押贷款分配市场的90%，在聚集需求、吸引客户、提高认识并将他们与适当的融资联系起来方面处于关键地位。然而，他们面临着几个挑战，包括在分析其投资组合中的风险、在短期和长期定位和吸引客户以及验证改进是否按预期执行方面的差距。这个第二阶段项目将以第一阶段的产出为基础，通过开发和增强Propflo端到端解决方案的关键组件来应对这些挑战。这包括创建分析和监控平台、领先的数字和家庭评估调查、领先的客户参与工具和实时验证。这将在100个房产的样本上进行测试，总体目标是1000个，至少要翻新到C级(如果可能的话，至少要达到C级)。

Residential property accounts for 20% of global carbon emissions and 70% of the homes in 2050 already exist today; retrofitting is therefore critical to meet the UK's legally binding target of net zero by 2050\.Mortgage lenders have 6.2m owner-occupier, private rented and shared ownership properties below a C rating in their portfolios. This represents 24% of residential properties in the UK with over £81bn of investment needed to get these to at least a C rating.Lenders, and their brokers that are expected to make up 90% of the mortgage distribution market in 2024, are in key positions to aggregate demand, engage customers, raise awareness, and connect them with appropriate financing. However, they face several challenges including gaps in analysing the risks in their portfolio, targeting and engaging their customers in the short and long term, and verifying improvements are performing as expected.This phase 2 project will build on phase 1 outputs by developing and enhancing key components of Propflo's end-to-end solution to address these challenges. This includes creation of an analysis and monitoring platform, a leading digital and in-home assessment survey, leading customer engagement tools and real-time verification. This will be tested on a sample of 100 properties with a wider target of 1,000 overall to be retrofitted to at least a C (and above where possible).