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

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

Secondary File Resources

Secondary Resource Link(s)

Unsecured Green Home Loans Explained

Unsecured Green Home Loans: Managing Risks

Unsecured Green Home Loans: Demystifying Market

Unsecured Green Home Loans: Consumer Protection and Scale in International Markets

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