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量的20%，2050年70%的房屋已经存在;因此，改造对于实现英国到2050年净零排放的具有法律约束力的目标至关重要。这代表了英国24%的住宅物业，需要超过810亿英镑的投资才能使这些物业达到至少C级。预计到2024年，贷款人及其经纪人将占抵押贷款分销市场的90%，他们处于关键地位，可以聚集需求，吸引客户，提高意识，并为他们提供适当的融资。然而，他们面临着一些挑战，包括在分析其产品组合中的风险，在短期和长期内定位和吸引客户以及验证改进是否按预期进行方面存在差距。该第2阶段项目将通过开发和增强Propflo端到端解决方案的关键组件来应对这些挑战，从而在第1阶段的产出基础上建立。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处房产的样本中进行测试，目标是将1,000处房产的整体改造至少达到C级（在可能的情况下达到C级以上）。

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).