Kamma is proud to announce a major new partnership with Pepper Money, supporting the lender in assessing climate risks and opportunities across its mortgage portfolio.
Kamma will provide Pepper Money with access to its full suite of climate analytics, including insights into physical and transition risks, financed emissions, enhanced PCAF scoring, and property-asset insights for securitisation purposes.
By leveraging Kamma’s solutions, Pepper Money will benefit from a thorough stress test of the level of climate risk on its portfolio, and a clear view on green lending opportunities.
Sharing these insights with investors further demonstrates Pepper Money’s ESG credentials, supporting its mission to lend to homeowners and aspiring homeowners often overlooked due to their financial or social position.
What the partnership delivers
- 360’ view on climate risk – By integrating flood risk analysis and transition risk stress testing, Pepper Money will gain a clearer picture of potential climate-related exposures in its mortgage book.
- Improve liquidity and support fund raising goals – With improved visibility on environmental impact and financed emissions, Pepper Money will be better equipped to engage with investors and funding partners.
- Meeting evolving regulatory requirements – Access to Kamma’s climate data will support compliance with IFRS S2 and TCFD reporting standards.
- Exploring green lending opportunities – Insights on retrofit costs and potential carbon reductions will inform the development of climate-related mortgage products.
Climate-related risks are an increasing focus for the mortgage sector, with lenders expected to assess and disclose their financed emissions as part of wider sustainability commitments. Access to accurate property-level data will play a key role in this process, helping firms like Pepper Money make informed decisions about risk, compliance, and customer support.
“We are committed to supporting our customers on their sustainability journeys. This partnership with Kamma strengthens our ability to deliver on this commitment, eliminating our reliance on weak, inaccurate EPC data to provide a more accurate and complete view of our mortgage pool. Ultimately we believe this more accurate view will lead to the development of strong products, better support for our customers and actionable pathways for greener homes and communities.”
Anthony Keeble, Director of ESG, Pepper Money
“Partnering with Pepper Money is another step in demonstrating how climate tech can drive real change within financial services. Together, we are delivering the tools and insights necessary for lenders and their customers to make climate-positive decisions.”
Orla Shields, CEO & Co-Founder, Kamma
This partnership builds on Kamma’s work with other lenders, supporting firms in integrating climate intelligence into mortgage operations. As reporting requirements continue to evolve, access to reliable climate data will be critical in shaping robust lending strategies.
Book a call to learn more about the offer.
