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

使抵押贷款行业能够通过数据驱动的投资组合方法推动净零改造

• 批准号: 10092176
• 金额: $ 109.69万
• 依托单位: PROPFLO LTD
• 依托单位国家: 英国
• 项目类别: Collaborative R&D
• 财政年份: 2023
• 资助国家: 英国
• 起止时间: 2023 至 无数据
• 项目状态: 未结题
• 来源: https://gtr.ukri.org/projects?ref=10092176
• 关键词: Enabling; mortgage; industry; drive; net

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).

住宅物业占全球碳排放量的 20%，到 2050 年，70% 的房屋已经存在；因此，改造对于实现英国到 2050 年具有法律约束力的净零排放目标至关重要\。抵押贷款机构拥有 620 万自住业主、私人业主其投资组合中的出租和共有产权房产低于 C 级 这占英国住宅房产的 24%，需要超过 810 亿英镑的投资才能将其达到 C 级。至少获得 C 级评级。预计到 2024 年，贷款机构及其经纪人将占据抵押贷款分销市场的 90%，在聚合需求、吸引客户、提高意识以及为他们提供适当融资方面处于关键地位。他们面临着一些挑战，包括在分析其投资组合中的风险、在短期和长期内瞄准和吸引客户以及验证改进是否按预期进行方面存在差距。第二阶段项目将通过开发和增强关键组件来建立在第一阶段产出的基础上的Propflo 应对这些挑战的端到端解决方案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。 100 处房产，总体目标是 1,000 处，至少改造为 C 级（如有可能，则更高）。