Net Zero Hub
Climate analytics to manage risks
Simplify climate resilience and carbon emission management
Managing climate resilience and carbon emissions across your housing portfolio just got easier.
Our platform gives you a digital twin of every home you finance, unlocking powerful modelling to assess environmental impact, track financed emissions, and assess the impact of energy efficiency standards.
No guesswork. No endless spreadsheets. Just clear, data-driven insights to help you navigate evolving regulations, support your customers, and stay ahead in sustainable finance.
Whether you’re looking to decarbonise, manage risk, or explore green lending opportunities, we’ve got the data to help you move forward.
Identify and reduce climate-related risks
We offer what no-one else can - a digital twin of every home. Apply our property-level insights to assess, disclose, and mitigate climate risks - protecting your portfolio and your customers.
Inform product development
With insights on retrofit costs and potential carbon reductions across your portfolio, you can develop climate-conscious mortgage products, offer preferential lending rates, and create incentives that engage customers.
Flexible reporting
Ready-to-use data and intuitive analytics saves you time and gives you greater insight. Making it easier to report performance, track progress, and reduce risks in a changing environment.
Identify and reduce climate-related risks
We offer what no-one else can - a digital twin of every home. Apply our property-level insights to assess, disclose, and mitigate climate risks - protecting your portfolio and your customers.
Inform product development
With insights on retrofit costs and potential carbon reductions across your portfolio, you can develop climate-conscious mortgage products, offer preferential lending rates, and create incentives that engage customers.
Flexible reporting
Ready-to-use data and intuitive analytics saves you time and gives you greater insight. Making it easier to report performance, track progress, and reduce risks in a changing environment.
Respond to regulation
Manage your regulatory risk with instant access to the current performance of homes, the risk of non-compliance with minimum standards, and the potential costs of compliance.
Manage your financed emissions
Every home is unique. The Hub reports on the home, how it's built, how it's heated, how it's financed and how it could be improved. Our models help you make informed decisions.

Financed emissions reporting
Gain powerful insights into your financed emissions and their projected performance over time through the combination of our digital twins and your back book.
Segment homes
Offer tailored products and services by understanding what is required for each home to meet the challenges of the energy transition.
Concierge service
Trust is a barrier to action. Support your customers by signposting customers to our in-house concierge, Ecofurb, to provide expert, tailored advice on decarbonising their home.
Scenario modelling
Deploy our market leading Scenario Modelling to quantify your ongoing Emissions Reduction Pathway, and benchmark against the Climate Change Committee's balanced Net Zero Pathways.

Financed emissions reporting
Gain powerful insights into your financed emissions and their projected performance over time through the combination of our digital twins and your back book.
Segment homes
Offer tailored products and services by understanding what is required for each home to meet the challenges of the energy transition.
Concierge service
Trust is a barrier to action. Support your customers by signposting customers to our in-house concierge, Ecofurb, to provide expert, tailored advice on decarbonising their home.
Scenario modelling
Deploy our market leading Scenario Modelling to quantify your ongoing Emissions Reduction Pathway, and benchmark against the Climate Change Committee's balanced Net Zero Pathways.
55%
private rented homes below SAP C
£240
average saving to billpayers from Minimum Energy Efficiency Standards
£300bn
to improve all homes to SAP C
FAQ
Will Net Zero Hub help me manage climate risks?
There are two types of climate risk: physical and transition risk. Net Zero Hub supports management of both, allowing you to:
- Quantify Risk: Assess immediate and future risks from new regulations and a changing climate.
- Optimise Investment: Identify the least-cost route to meet energy efficiency standards and long-term Net Zero goals.
It eliminates guesswork, focuses minds, and delivers actionable insights.
How does the Net Zero Hub differ from the Portfolio product?
Portfolio is Cotality's stock analysis tool used by landlords and housing providers to plan and manage retrofit delivery. The Net Zero Hub is built on the same powerful platform but with specialised modules focused on climate analytics, ESG reporting, and financial risk for lenders and larger investors.
It provides the digital twin of every home and the high-level financed emissions reporting and regulatory risk management needed to protect investment portfolios.
How reliable is the data used by Net Zero Hub?
The Net Zero Hub incorporates a digital twin of every single home across the entire GB housing stock, built on layers of EPC, Ordnance Survey and open data, together with our proprietary data drawn from street-by-street analysis, intelligent cloning and machine learning.
Our RdSAP+ engine rigorously collates and cleanses thousands of property-level data points to give you high -resolution insight with an audit trail for every data point.
How does Net Zero Hub align our plans with national targets?
Cotality's tools and methodologies are founded on over 20 years of experience working with local authorities and are trusted by government and commercial finance.
Our platform's core capability is the use of market-leading scenario modelling which allows you to directly benchmark your portfolio's Emissions Reduction Pathway against the Climate Change Committee’s balanced Net Zero scenarios. We help you ensure your strategy is not only ambitious but practically achievable and nationally aligned.
How does the Net Zero Hub help protect our portfolio's value?
The Hub can identify properties at risk of becoming stranded assets and mortgage prisoners. You can:
- Segment Risk: Instantly segment your stock by current and projected EPC ratings, fuel source, and flood risk.
- Quantify Risk: Forecast the investment required to de-risk assets, allowing you to estimate capital expenditure upfront and protect long-term property valuations.
- Attract Green Finance: with clear, data-driven pathway to decarbonisation and the ability to tailor lending products.
Can we use the Net Zero Hub to meet ESG reporting requirements?
Yes. The Net Zero Hub offers flexible, ready-to-use reporting that provides powerful insight into your financed emissions and their projected performance over time.
This ability to clearly communicate your environmental impact and planned progress saves you time on complex reporting, including PCAF,ICAAP, IFRS and UN SDG standards.
It also gives your stakeholders and investors the evidence they need regarding your commitment to sustainability and climate resilience.
How can we help you?
Let's get this conversation started! Our team is here to provide you with more information and answer any questions you may have.















