The programme addresses a longstanding barrier to retrofit deployment: the gap between building performance data and financial decision-making. Retrofit projects are often constrained by reliance on modelled estimates rather than verified energy performance, creating uncertainty for lenders, investors, and homeowners. This initiative tests how actual energy consumption data can be integrated with property, financial, and technical information to identify retrofit opportunities and demonstrate measurable performance improvements.

Working with financial institutions, technology providers, retrofit specialists, and policy stakeholders, the project is developing practical “data-to-finance” pathways that translate energy insights into investable propositions. The work examines how trusted data infrastructure and common approaches to energy performance assessment can support lending models, aggregation of retrofit projects, and more consistent investment outcomes.

Funded by Innovate UK, the programme contributes to wider UK efforts to accelerate net-zero delivery in the built environment by linking innovation, policy development, and market implementation. The objective is to help establish energy usage data as a reliable foundation for retrofit planning and financing, enabling energy efficiency to scale as a mainstream investment opportunity rather than a fragmented policy intervention.