37) How green finance can decarbonise our homes and buildings

Green mortgages have become the poster child of green retail banking products in the UK, but despite their significant growth in the last 12-18 months, significant barriers remain.However, there are various solutions being designed in the UK and overseas that could shake up the mortgages market and help increase supply and demand.In this podcast episode hosted by Cornwall Insight, Robin Penfold, partner at TLT, and Emma Harvey, director at the Green Finance Institute, discuss:The need to demonstrate the value held in energy efficient propertiesBarriers for consumers, including a lack of awareness and perceived costCarrot and stick solutions for lenders, including the GFI’s Green Home Finance PrinciplesThe potential impact of Property Assessed Clean Energy (PACE) finance in the UKHow to enable intermediaries to heed the green motivations of borrowersHow better communications with customers can reduce the risk of greenwashingThe potential to connect mortgage lending with other ancillary servicesThis is the second in a series of podcast episodes by Cornwall Insight and TLT on green finance. Our first episode looks at the impact of ESG investing on pensions.