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Property Linked Finance: A New Financial Solution to Decarbonise the UK's Homes and Buildings

Property Linked Finance: A New Financial Solution to Decarbonise the UK's Homes and Buildings

Year Published

2024

Contributing Organizations

Green Finance Institute (GFI)

Type of Resource

Research/Insights Report

Languages

English

Relevant Topics

Core Topic
Buildings & Real Estate
Topic 2
Debt

Target Audience

Banks
Asset Managers
Asset Owners
Governments & Policymakers

Relevant Geography

Global
Property Linked Finance: A New Financial Solution to Decarbonise the UK's Homes and Buildings

Resource Description

This resource introduces Property Linked Finance (PLF) as a new tool to fund energy efficiency upgrades in UK buildings. It explains how PLF works and shares design recommendations and international lessons.

Why This Matters

PLF can help scale building retrofits, reduce energy bills, and support net zero goals through a flexible, consumer-friendly financing approach.

Key Insights

  • PLF ties repayments to the property, not the owner, making upgrades more accessible
  • Addresses key barriers like upfront costs and limited consumer finance options
  • Stresses the importance of consumer protection, local delivery, and clear regulation
  • Draws lessons from US and Australian programs to inform UK rollout

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