Kamma, a climate tech company specialising in property insights, has entered a major new partnership with Pepper Money. 

Kamma will provide Pepper Money with access to its full suite of climate analytics, including insights into physical and transition risks, financed emissions, enhanced PCAF scoring, and property-asset insights for securitisation purposes. 

By leveraging Kamma’s solutions, Pepper Money will benefit from a thorough stress test of the level of climate risk on its portfolio, and a clear view on green lending opportunities. Sharing these insights with investors further demonstrates Pepper Money’s ESG credentials which already includes a comprehensive DE&I program and at its core; a mission to lend to homeowners and aspiring homeowners often overlooked due to their financial or social position.

Key objectives of the partnership are described as having a 360’ view on climate risk; improving liquidity and support fund raising goals; driving regulatory compliance; and enhancing customers’ knowledge of climate issues. 

Orla Shields, chief executive of Kamma, says: “Partnering with Pepper Money is another step in demonstrating how climate tech can drive real change within financial services. Together, we are delivering the tools and insights necessary for lenders and their customers to make climate-positive decisions.”

And Pepper director Anthony Keeble adds: “We are committed to supporting our customers on their sustainability journeys. This partnership with Kamma strengthens our ability to deliver on this commitment, eliminating our reliance on weak, inaccurate EPC data to provide a more accurate and complete view of our mortgage pool. Ultimately we believe this more accurate view will lead to the development of strong products, better support for our customers and actionable pathways for greener homes and communities.”