Lenders and investors
Climate & EPC Portfolio Analytics
Independent analysis of energy performance and physical risk across a property book, benchmarked against peers and turned into decisions.
Smaller lenders and investors face the same questions as the largest banks. How efficient is the book? How much of it will fail the new fabric test? How exposed is it to flooding and subsidence? How does it compare with peers? Most do not have a dedicated team to answer them.
We bring experience of EPC benchmarking, flood risk methodology and buildings insurance risk for residential and commercial property. We use public data and your own portfolio data, and we are clear about where comparisons are reliable and where differences in method make them misleading.
What you get
EPC profile and trajectory
Your book's EPC distribution, how much rests on modelled rather than lodged ratings, and which assets look exposed under the reformed, fabric-first EPC.
Peer benchmarking
Comparison with peers' public disclosures, with caveats where definitions differ.
Flood and subsidence review
Your physical risk methodology compared with peer approaches and current Environment Agency data, with insurance implications.
Committee and disclosure inputs
Findings written for risk committees, transition plans and climate disclosures.
How it works
- Scope. We agree the questions, the data available and who the output is for.
- Analyse. We work through the data and test the methodology.
- Challenge. We take your team through the findings and pressure-test them.
- Deliver. A written report and slides, ready for internal governance.
Who this is for
- Building societies and challenger banks
- Specialist and buy-to-let lenders
- Property funds and investors
Engagement
Project-based, fixed fee. Data is handled under a written agreement and kept confidential.
Start with a 30-minute call
Tell us about the property, the portfolio or the finance you need. We will tell you plainly whether we can help, and what a fixed-fee piece of work would look like.