Buildings account for 23% of all UK carbon emissions, and we know mortgages will play a pivotal role in financing the shift to net zero in the private housing sector. And yet, there is still no ‘official’ definition of a ‘green mortgage’.
! There is no formal regulatory definition, and regulatory returns data doesn’t differentiate between ‘green’ and ‘standard’ mortgages.
! In the market, the terms ‘Green’, ‘Sustainable’ and ‘ESG’ are often used interchangeably – despite carrying distinct (if overlapping) meanings.
! There is little consensus on how the various ‘green’ offerings out there can be categorised, nor how these correspond with different sets of consumer needs.
We may not have all the answers, but we believe now is the time to start the discussion.To complement the webinar, we have created a handy ‘cheat sheet’ for advisers, covering such topics as:
This panel debate brings together six experts from across the industry.
Your host Cerys Williams, Partnerships Manager at Sero, will be joined by:
They discuss:
How the green mortgages market has evolved, the current product landscape, and how different types of products might meet different consumer needs;
The implications of the FCA’s new ‘anti-greenwashing’ rule for all regulated firms looking to develop ‘green’ products and propositions;
How we can move forward as an industry to arrive at a set of common answers.
The lack of clarity and consistency creates barriers to uptake in the green mortgage market, from adviser education and training, to sourcing, underwriting and product development.
By shining a light on this issue, we hope to spark industry and regulatory discussions that speed the journey towards a common understanding.
This webinar is primarily aimed at UK mortgage intermediaries, but may be of interest to lenders, sourcing systems, and other stakeholders connected to the homebuying and green home improvement processes.
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