Green Home Finance Roadmap published by the Green Finance Institute in collaboration with the Green Mortgage Advice Initiative

The Climate Change Committee (CCC) report, "Sector summary Buildings," estimates that achieving the UK's net-zero target for the residential building sector by 2050 requires significant investment in technical measures and associated costs. Figures of around £311.5 billion have been muted at the costs feasibly of reaching the 2050 target.

This report, "The Green Home Finance Roadmap for the mortgage industry', published on 27 August 2025 was developed by the Green Finance Institute (GFI) in partnership with the Green Mortgage Advice Initiative (GMAI) and Mortgage Solutions. The team gained support from 34 organisations and industry groups spanning finance, energy, and the built environment. Amongst its backers are the National Retrofit Hub, UK Green Building Council, Building Societies Association, Intermediary Mortgage Lenders Association, Association of Mortgage Intermediaries (AMI), and the Equity Release Council.

Green Finance Institute (GFI) was established in 2019, with a pragmatic approach to channelling capital to facilitate real economy change, shaping the discourse around green finance. It is an independent company with a track record of cross-sector engagement, responding to market barriers and developing solutions. It is an independent advisor to governments, demonstrating, and scaling financial solutions that are needed to accelerate the transition to a net-zero and nature positive economy. They partner with financial organisations, corporates, NGOs, policymakers, academics and civil society experts to create and scale innovative solutions that deliver practical outcomes for communities and economies. It has helped to pioneer the use of green mortgages, local climate bonds and property linked finance.

Research from the GFI showed there is growing demand for green mortgages, with half of homeowners and as many as 80% of first-time buyers in Scotland indicating a willingness to use such products to buy or upgrade to more energy-efficient homes. The document sets out a plan for embedding sustainability across the mortgage market in collaboration with non-financial stakeholders. The roadmap itself underscores the importance of sector-wide collaboration, stressing that lenders and intermediaries cannot achieve the transition alone. Public engagement and access to suitable financial products are seen as vital for encouraging the adoption of clean technologies, while resilience measures such as flood and extreme weather protection are also highlighted as complementary to decarbonisation.

The document draws insights from the London Green Mortgage Summit, the Scottish Green Home Finance Summit, with input from lenders, brokers, retrofit specialists, and policy experts. GHFR outline five priority themes for industry action, with a one-page action plan designed to track progress of these 5 themes over the short, medium and long terms, converting industry discussions into practical outcomes. The 5 themes are described in brief below.

• Cross-sector collaboration. Seamless end-to-end journeys with clear roles and responsibilities.
• Commercial Viability. Mainstreaming green, mobilising capital, unlocking innovation to meet diverse household needs.
• Public Awareness and Driving Demand. Clear narrative, shared vision, myth-busting.
• Policy Clarity for Market Confidence Clean heat, government retrofit support, roadmap for reform.
• Industry Education and Training Confident conversations with clients, fostering cross-industry understanding.

Green mortgage campaign lead Chloe Timperley said of the report:

“We’re proud to launch the Green Home Finance Roadmap as an essential tool for channeling more of the £242 billion a year mortgage market towards future-proofing the nation’s homes"

Chief executive of the Association of Mortgage Intermediaries Stephanie Charman said:

“The roadmap sets out what needs to happen if we want to make green finance part of everyday advice.. AMI is delighted to see so many broker firms supporting this document, and we will continue to ensure the advice sector remains at the forefront of this important issue."

Managing director of mortgage brokerage Alexander Hall and chair of the GMAI Richard Merrett said:

“It brings clarity, direction and momentum to a complex and fast-moving space,” he said. “From the start we have championed a ’country not club’ approach to the green agenda, and this document embodies that ethos of collective action. We’re proud to support this initiative and will continue to champion the role of the mortgage industry in tackling the climate crisis.”

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[edit] External links

https://www.greenfinanceinstitute.com/products-solutions/green-home-finance-roadmap/

https://www.theccc.org.uk/wp-content/uploads/2020/12/Sector-summary-Buildings.pdf

https://www.mpamag.com/uk/news/general/roadmap-to-boost-green-mortgages-launched/545824