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“Working with Kamma has enabled us to move from abstract principles and ideas to quantities and comparisons.

The quality of insights has made it much easier to demonstrate what transition risk actually means for us and to open productive conversations with key stakeholders in our net zero planning, such as our Chief Risk Officer.”

Edward Twiddy, Environment, Society and Government Director

“We’ve achieved some great results working with the team at Kamma.

We’ve been able to enhance our approach to emissions data and develop a much more accurate picture of the emissions from our lifetime mortgage portfolio.”

Tom Kenny, Group Property & Credit Risk Director

“Retrofit Explorer has given us the conversation starter we need to sell borrowers and brokers on the benefits of retrofit.

The tool enables them to quickly get an accurate view of not only the measures needed and their cost, but also the benefits in terms of EPC rating, energy bills, and property valuation.

It also clearly guides users on how to turn the plan into action by connecting with local installers who can deliver the work needed.”

Steve Matthews, Head of Residential Lending

“Investor demand for climate insight on property assets has never been greater, and yet accessing accurate information across thousands of properties contains real challenges.

Kamma’s technology efficiently and effectively resolved this: delivering the portfolio and property insights needed to assure potential investors, supporting a positive response to this securitisation.

In an unstable market, investors require more certainty, Kamma’s report delivered this.”

Hugo Davies, Chief Capital Officer & ESG Chair

“We haven’t come across anyone in the market who provides the data services for environmental efficiency that Kamma do.

Before you can do anything to achieve net zero, you need data. You need to understand what the emissions associated with your portfolio are.”

Freddie Cowper-Coles, Investment Director