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Unsecured Green Home Loans: Lender’s Handbook on Green Home Retrofit and Technologies

Unsecured Green Home Loans: Lender’s Handbook on Green Home Retrofit and Technologies

Year Published

2024

Contributing Organizations

Green Finance Institute (GFI)

Type of Resource

Guidance

Languages

English

Relevant Topics

Core Topic
Buildings & Real Estate
Topic 2
Debt

Target Audience

Banks
Governments & Policymakers
Asset Managers
Asset Owners

Relevant Geography

Europe
Unsecured Green Home Loans: Lender’s Handbook on Green Home Retrofit and Technologies

Resource Description

This handbook guides lenders on green home retrofit solutions and technologies. It offers a holistic framework covering investment opportunities, detailed retrofit options, financing mechanisms, and the economic, environmental, and social benefits of decarbonizing residential properties.

Why This Matters

Decarbonizing the UK’s aging housing stock is critical to achieving climate targets. This handbook equips lenders with the knowledge to design, fund, and scale retrofit finance solutions, unlocking investment and supporting households through the net-zero transition.

Key Insights

  • Highlights that 29 million homes in the UK must be retrofitted to meet net-zero targets
  • Outlines 21 retrofit solutions, from insulation to low-carbon heating and smart controls
  • Explains key customer drivers and barriers, including upfront costs and information gaps
  • Maps financing instruments such as green mortgages and unsecured loans
  • Emphasizes partnership models across lenders, local authorities, and supply chains

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