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Latest blogs and announcements from Kamma Climate

Equifinance partners with Kamma to lead the way in ESG transparency

Kamma and Equifinance partner to ensure the second charge lender has accurate ESG data for underlying assets in the mortgage portfolio

How to handle missing EPCs for a property portfolio: predictive modelling to fill the gaps

Missing EPC data means climate risk and financed emissions blind spots for lenders and property companies. Predictive EPC modelling could be the solution.

Climate risk and ICAAP: do energy efficiency improvements reduce capital requirements?

Carbon intensive assets are riskier and that should be reflected in capital requirements – including the energy inefficient homes in a lender’s mortgage book

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New analysis: UK housing decarbonisation to accelerate by up to 14x under Labour leadership

Kamma’s analysis has found that 84% of UK mortgaged homes could be upgraded to a minimum EPC C standard with retrofit costs of less than

How to accurately quantify transition risk as a UK mortgage lender

How can mortgage lenders accurately measure the energy efficiency and emissions of their portfolio to quantify transition risk?

Photo showing three red brick houses, with blue sky behind them.

The Home Energy Model (HEM), explained

The Home Energy Model (HEM) will replace SAP as the methodology for rating the energy efficiency of UK homes – including for EPCs. This guide…

Photo of a row of UK houses set against a blue sky.

A best practice guide to net zero planning for UK mortgage lenders

UK banks and lenders are under growing pressure to ensure they have a credible plan to get to net zero. That means accurate baseline financed…

Photo of a window with white frames. It has beige curtains either side, and a window seat with a green cushion below it. The view outside the window is of rural England.

EPC open data vs Kamma’s (enhanced) EPC data as a source of property emissions data

Compare freely available EPC open data with Kamma’s enhanced EPC data to help you decide which energy efficiency data provider is right for your property…

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New analysis: cost to upgrade to EPC C easily achievable for 4 out of 5 mortgaged homes

Kamma’s analysis has found that 84% of UK mortgaged homes could be upgraded to a minimum EPC C standard with retrofit costs of less than

Street of red brick terraced houses with white doors and windows

How better property emissions data could unlock a virtuous circle of green lending for retrofit

Poor energy performance data in the UK is holding a virtuous circle of green mortgage lending, homeowner retrofits, and green RMBS issuance back.

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6 problems with EPCs as a data source for energy efficiency and property emissions

EPCs are the primary measure of housing energy efficiency in the UK. But the EPC methodology is flawed and outdated, often giving misleading results

Energy assessor in a loftspace, shining a torch on loft insulation

SAP calculations: everything you need to know about how EPCs are calculated

SAP calculations are used to assess and compare the energy performance of UK homes – here’s how it works

Builder wearing a blue boiler suit installs pink wall insulation in a home

How to convince homeowners to retrofit: a retrofit messaging toolkit for mortgage lenders

What retrofit messaging can mortgage lenders convince more homeowners to increase the energy efficiency of their homes? Most mortgage lenders now fully grasp the benefits…