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

根据国家统计局的数据，英格兰相当大一部分房产（超过47%）要么是抵押贷款（680万），要么是私人租赁（480万）。还有20万套来自社会住房部门的房屋拥有共同所有权（Commons Library，2021年）。采用组合方法对这些物业进行净零升级是实现英国碳减排目标的关键，但考虑到可以采用组合方法的组织Propflo是家庭的“数字中心”，为房主提供房地产洞察和工具，帮助他们省钱并数字化管理自己的房产。我们向抵押贷款经纪人和房地产经纪人等企业收取订阅我们的B2B工具（包括房主入职、参与、潜在客户挖掘和数据洞察工具）的费用。其中一个产品是绿色价值工具，目前专为个人房主设计，让他们看到其物业节能改造的全部好处，而不仅仅是节能和能源性能证书（EPC）的环境影响。这种专有模式包括为物业增加的总生命周期价值，以及弹性的增加（物业的自给自足和“宜居”程度）以及物业的未来性（它能否受益于未来的电网技术和服务？）。这些增加的维度考虑到脱碳，能源安全和健康的家庭等领域，以提供更全面的观点。在这个项目中，我们建议为抵押贷款、共有产权和私人租赁部门开发该工具的组合解决方案，并利用抵押贷款机构、管理代理和房东可能拥有的其他数据点来增强它（如建立调查数据），以帮助他们的目标措施，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).