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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Latest blogs and announcements from Kamma Climate
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?
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…
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…
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…
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
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.
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 But the EPC methodology is flawed and outdated, often giving misleading results
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
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…
The role of mortgage lenders in decarbonising UK housing
Mortgage lenders are in a prime position to educate and incentivise homeowners to retrofit and drive the decarbonisation of UK housing.
The complete guide to EPC data for mortgage lenders
EPCs are the core measure of energy efficiency for UK houses, used by mortgage lenders in several ways. Here’s everything you need to know.
Is inaccurate EPC data holding back the green RMBS market?
Green RMBS have huge potential to drive UK housing to net zero, but more accurate EPC data is needed to unlock that potential.
The best home retrofit planning tool for mortgage lenders: Retrofit Explorer
With the right home retrofit planning tool mortgage lenders can increase the uptake of retrofit amongst borrowers. Enter: Retrofit Explorer.
