The Green Mortgage Summit 2025 is an invitation-only event attended by key stakeholders from across the mortgage sector including government, lenders, surveyors, retrofit platforms, trade bodies, distributors, networks and brokers.
We all want to create and involve ourselves in a scalable green mortgage market, which will significantly improve the energy efficiency of UK housing stock.
This event is a stepping stone for the industry to take more control of moving sustainability and the environmental impact of the UK mortgage market higher up the political agenda.
Bank of Ireland for Intermediaries
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Bank of Ireland for Intermediaries takes every journey together with its partners. Whether your client is a first-time buyer, mover, landlord or looking to remortgage the Bank will take a common-sense approach and provide support at every stage. Its focus remains on delivering excellent service through the right people, products, and systems designed to support the intermediary community effectively.
Barclays
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Barclays is a top five mortgage lender with an unwavering commitment to the intermediary market. It provides competitive, flexible, innovative products and actively participates in government housing schemes to offer its intermediary partners a comprehensive range of solutions to meet their clients’ evolving needs.
In addition to an established remortgage proposition, Barclays offers extensive purchase options including Green Home mortgages, new build, joint borrower sole proprietor and Family Springboard products. Through its highly competitive Reward range and easy-to-use product transfer tool, it is also a major player in the retention space, as well as incorporating an extensive buy-to-let proposition.
As a lender that is constantly striving for simplicity, Barclays’ policy changes, processes and service enhancements aim to streamline the mortgage journey. All with the ultimate goal of making it even easier for intermediary partners to conduct more business with the lender now, and in the future.
Energy Saving Trust
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Energy Saving Trust is an independent organisation dedicated to promoting energy efficiency, low-carbon transport and sustainable energy use. It aims to address the climate emergency and deliver the wider benefits of clean energy as the UK transitions to net zero.
Energy Saving Trust empowers households to make better choices, delivers transformative programmes for governments and supports businesses with strategy, research and assurance.
Its advanced digital tools and SaaS solutions help businesses streamline energy performance and accelerate their journey to net zero, enabling everyone to play their part in building a sustainable future.
The Cambridge Building Society
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The Cambridge Building Society is a mutual society founded in 1850. It has over 175 years’ experience helping people to buy their own homes and is a trusted home for those in a position to save.
Green Finance Institute
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The GFI is an independent adviser to governments. It works to test, demonstrate and scale the financial solutions needed to accelerate the transition to a net-zero and nature-positive economy. The GFI has been instrumental to the growth of the green mortgage market, taking it from four products in 2019 to over 80 today, launching the Green Home Finance Principles framework, and spearheading professional education in Green Mortgages through a first-of-its-kind CPD-accredited training programme and a wealth of educational resources.
The Green Mortgage Campaign continues to work closely with industry to mobilise capital and unlock innovative and scalable green home financing solutions for the mass market.
Lloyds Banking Group
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Lloyds Banking Group is a leading UK-based financial services group.
It provides a wide range of banking and financial services, focused primarily on retail and commercial customers.
Its purpose is Helping Britain Prosper. It does this by creating a more sustainable and inclusive future for people and businesses, shaping finance as a force for good.
It has three strategic priorities (Grow, Focus and Change), which will enable it to deliver its vision of being the UK’s customer-focused digital leader and integrated financial services provider, capitalising on new opportunities, at scale.
Nesta
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Nesta is a research and innovation foundation that uses a powerhouse of applied methods to design, test and scale solutions to the biggest challenges of our time. Its sustainable future mission is to accelerate the decarbonisation of household heating. It wants to see the UK achieve a 30% reduction in household carbon emissions by 2030 (vs 2019 levels). Nesta knows that to reach this goal, millions of households will need to switch to low-carbon heating in the next decade, the skilled workforce to support this will need to grow and people will need to change how they use energy in their homes.
OSB Group
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OSB Group’s proposition is delivered by our three specialist lending brands – Precise, Kent Reliance for Intermediaries and InterBay.
Precise is dedicated to helping customers with less-than-perfect credit histories or who are underserved by mainstream lenders.
Kent Reliance for Intermediaries provides handcrafted solutions to those whose complex cases may not fit high street criteria.
InterBay is an expert in delivering bespoke solutions to help brokers meet their clients’ borrowing needs.
The Group’s offering is backed up by a secure and solid retail savings model, provided by Charter Savings Bank and Kent Reliance.
Skipton Building Society for Intermediaries
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Skipton Building Society is known for its innovation, great service, and a common-sense approach to lending. Whether that’s using the latest technology to help straightforward cases fly through its system, giving you direct access to underwriters for more complex scenarios, or having a dedicated network of local BDMs and TBDMs to support you with questions and ideas.
With a clear purpose to help more people buy homes and supporting first-time buyers, Skipton listens to brokers and strives to drive meaningful change, influencing the market with solutions that truly make a difference.
Visit its website to explore products, criteria, and services designed with you and your clients in mind.
Snugg
Website
Snugg simplifies home energy efficiency and electrification for homeowners – providing advice on where to start and how to fund the improvement work. It is working with mortgage lenders, embedding their green finance products into its digital advice platform.
09.50 – 10.10
The Green Home Finance Roadmap – regulation, consumer sentiment, and the road ahead
Chloe Timperley, green mortgage campaign lead, Green Finance Institute
10.10 – 10.40
Green lending 2.0 – where innovation meets consumer impact
Tracie Burton, senior corporate account manager, HSBC UK
Andy Dean, head of housing development and sustainability, Lloyds Banking Group
Dave Rogers, national partnership manager, Bank of Ireland for Intermediaries
Moderated by: Richard Merrett, managing director, Alexander Hall Associates
10.40 – 11.10
Advisers as climate communicators – guidance, trust and protection
Matt Coulson, founder, Heron Financial
Karina Gerdes, group head of sustainability, Mortgage Advice Bureau
Luke Loveridge, strategic advisor, Eco Approach
Moderated by: Rachel Doy, senior policy adviser, Association of Mortgage Intermediaries
11.40 – 12.25
Lightning talk series: Green mortgages in action – insights from case studies
This rapid-fire series delivers a practical walk-through of successful green mortgage and retrofit journeys. Each case study showcases a real-world example – highlighting how finance has been successfully applied to support customers and households on their journey to sustainable, energy-efficient homes.
11.40 – 11.55
The Big Retrofit project
Jonathan Evans, senior national accounts and new build lead, Skipton Building Society for Intermediaries
11.55 – 12.10
The Ferndale Rise project
Duncan Turner, business development manager, The Cambridge Building Society
12.10 – 12.25
Retrofit journeys: homeowner and landowner
David Sanders, head of energy efficiency and onsite services, Vibrant Energy Matters
12.25 – 13.00
Post-lightning talk series Q&A
Reflecting on the case studies presented, this session is a chance for questions, allowing the speakers to share deeper insights from their experiences. This interactive session will highlight transferable lessons and clarify the key challenges and opportunities for scaling green mortgages.
Moderated by: Chloe Timperley, green mortgage campaign lead, Green Finance Institute
14.00 – 14.20
Low-carbon landscape – The UK’s green technology rollout
Nigel Banks, technical director of zero bills and low carbon homes, Octopus Energy
14.20 – 14.50
Protection and insurance in the green mortgage journey
Daisy Powell-Chandler, partner and head of energy and environment practice, Public First
14.40 – 15.20
Roundtable discussions – mapping the value of green homes for consumers
In this final session, delegates will collaboratively explore and map out the tangible benefits of green home improvements, green mortgages, and supporting technologies for consumers. They will identify key advantages and discuss how these can be communicated effectively to homeowners. The insights generated during the roundtable will be compiled into a practical reference document. This resource will be distributed with the audience to be used to engage customers, build confidence, and accelerate adoption in the green mortgage market.
Moderated by: Ryan Jude, programme director, Green Finance Institute
Will Allen, Addleshaw Goddard
Simon Ayers, TrustMark
Jeremy Barker, UK Infrastructure Bank
Bean Beanland, Heat Pump Federation
Clare Beardmore, Legal & General Mortgage Club
Danny Belton, Mortgage Advice Bureau
Brian Berry, Federation of Master Builders
Zahid Bilgrami, Mortgage Brain
Laura Blakey, Greater Manchester Combined Authority
David Booth, Openwork Partnership
Paul Broadhead, Building Societies Association
Keeran Campbell, L&C Mortgages
Graham Closier, Connells Group
Lee Coates, ESG Accord
David Cowdrey, MCS Foundation
Greg Cunnington, Legal & General
Stewart Dalgarno, Future Homes Hub
Kate Davies, IMLA
John Doughty, Spicerhaart Group
Rachel Edwards, AMI
Paul Elliott, Propp
Justin Fear, Meridian Mortgages
Emma Fletcher, Octopus Energy
Karina Gerdes, Mortgage Advice Bureau
Richard Goppy, Paradigm Mortgage Services
Matthew Harrison, Finova
Chris Hewett, Solar Energy UK
Neil Hoare, HL Partnership
Dom Hodge, Sesame Bankhall Group
Morne Jacobs, Countrywide Surveying Services
Adrian MacDiarmid, Barratt Developments
Lisa Martin, LSL Property Services
Dan Maskell, Finance Planning Group
Kelly Melville-Kelly, Equity Release Council
Richard Merrett, Alexander Hall Associates
Paul Merrigan, Lifetime Group
Toby Miles, Legal & General
Rachael Owens, National Retrofit Hub
Avinash Rajan, Trustmark
Alison Rayner, Legal and Gernal Surveying Services
Nathan Reilly, Twenty7tec
Charles Roe, UK Finance
Caroline Saul, Obsorne Clark
Melissa Schofield, Gallagher Re
Dom Scott, Lifetime Connect
Robert Sinclair, AMI
John Somerville, London Institute of Banking and Finance
Nando van Kleeff, Laudes Foundation
Leo Vincent, E3G
Kelly Wicks, Kinleigh Folkard & Hayward
Cerys Williams, Sero
Brian Wills, SimplyBiz Mortgages
Nigel is passionate about improving our homes to benefit our health, our wallets and our planet. Having worked in housing design, construction and manufacturing, he now leads Octopus Energy’s work in making Zero Bills the new standard for housing in the UK and around the world. Octopus Energy uses technology to bring lower and more transparent pricing, better service and more sustainable energy to customers globally.
Tracie is a qualified Financial, Risk and Mortgage professional, with over 24 years’ experience working within the Intermediary Financial Services sector.
Supporting Distributors, Firm Principles, Advisors, Business Partners and Consultants, As a Senior Corporate Account Manager for HSBC UK, she is responsible for driving the best home buying and mortgage experience, leading in turn to a great outcome for the end customer. Tracie also heads up our High Value Mortgage Service Team, and is keen to evolve our proposition to ensure we can meet the bespoke requirements of customers with complex lending requests.
She also plays a pivotal role as lead for the HSBC UK’s Intermediary Sustainability Action Group that focuses on achieving HSBC’s Net Zero goal by 2030.
As one of the founders of Heron, which he helped set up in July 2011, Matthew is passionate about helping people build rewarding careers in financial services. He believes that Heron’s services should be accessible to all, and he is committed to leveraging technology alongside exceptional customer service to achieve this goal.
His dedication extends to building a business that is always at the forefront of the industry, ensuring that they continually adapt to the evolving needs of their customers, striving for innovation and excellence in everything they do.
Andy Dean is the head of housing and sustainability at Lloyds Banking Group, where he leads a team of housing development managers supporting new build developers, brokers, and trade bodies. His leadership supports the group’s ambition to Help Britain Prosper by delivering affordable and sustainable homes across the UK.
Andy joined Lloyds in 2024 from Nationwide Building Society, where he spent 16 years in senior roles, most recently leading their intermediary support and new build proposition. Prior to Nationwide, Andy worked as a business development manager at Advantage Home Loans, a subsidiary of Morgan Stanley.
With nearly 20 years of experience in the mortgage sector, Andy is deeply committed to the growth of the new build and intermediary markets. He also served as a director on the management committee of IMLA from 2021 to 2024.
Residing on the South Coast with his wife and five children, Andy enjoys cycling and the outdoors.
Rachel is a Senior Policy Adviser at the Association of Mortgage Intermediaries (AMI), bringing over eight years of experience in financial services, primarily within the mortgage lending sector. She joined AMI in 2023.
Rachel previously led Working in Mortgages, a joint careers, diversity, and inclusion initiative between AMI and IMLA.
Currently, she heads the Green Mortgage Advice Initiative, a key project designed to support intermediaries in navigating green finance and sustainability issues.
Rachel also contributes to AMI’s work on broader industry issues, including AI, technology innovation, and cybersecurity in financial services.
Jonathan has 19 years industry experience working with banks and a building society across the residential, buy to let and commercial lending sectors. He joined Skipton Building Society in 2015 as intermediary business development manager, covering Scotland and the North of England, progressing to senior national accounts & new build lead in 2022. He is dedicated to helping mortgage advisers effectively navigate the complexities of the UK market through his experience and knowledge. He is passionate about raising awareness and providing education on industry topics and trends and hopes to empower advisers to make informed decisions for their customers.
As Group Head of Sustainability, Karina leads the development and implementation of the company’s environmental, social, and governance (ESG) strategy, ensuring alignment with both business objectives and core values. She brings years of experience in change and project management, with a proven track record of leveraging digital transformation to improve operational performance.
Ryan is a Programme Director, with his work including leading the team advising the UK Government on implementing the UK Green Taxonomy, through the Green Technical Advisory Group (GTAG), and developing criteria for new sectors, via the Land, Nature and Adapted Systems (LNAS) advisory group. Ryan also works with the Institute’s sector-focused coalitions and initiatives and previously led the Zero Carbon Heating Taskforce (ZCHT) and established the Local Climate Bond (LCB) Campaign. Before joining the Institute, Ryan worked in investment banking at Cantor Fitzgerald and Jefferies, specialising in infrastructure and renewable energy.
Driven by a passion for creating a more sustainable, free, and fairer society, Luke has built two award-winning UK tech businesses focused on greener, smarter homes.
He founded Propflo, an AI-powered platform that helps businesses engage customers and employees in making their homes more energy efficient. Propflo has since been acquired by Eco Approach – a market leader in property certification and retrofit – in June 2025, where he is now a Strategic Advisor.
Before that, he founded Homelync, a pioneering platform that monitors housing health to deliver actionable insights including energy efficiency, improve services, and reduce costs. Homelync was acquired by EI Electronics (Aico UK) in 2020 and, as of October 2025, has nearly 600,000 devices deployed across UK homes.
In addition to his entrepreneurial ventures, Luke is a Winston Churchill Fellow on the Tech for All panel, and has extensive experience in the public sector, having worked in local government across innovation, transformation, and housing.
Richard Merrett is managing director of Alexander Hall, one of the UK’s leading mortgage brokers and part of the Foxtons Group. He speaks regularly on industry issues and is a passionate advocate of the consumer, championing their mortgage requirements through access to good advice.
He has also held director positions with largemortgageloans.com and in distribution with SimplyBiz Mortgages. He currently sits on the Association of Mortgage Intermediaries (AMI) board and is chair of the Green Mortgage Advice Initiative.
Daisy Powell-Chandler is a Partner at the strategic consultancy Public First. She runs the company’s Energy and Environment Practice, which uses public opinion research, economic modelling and policy analysis to change corporate strategy and government policy in order to reduce the impact of climate change. Before joining Public First, Daisy spent six years at pollster Populus leading public opinion research projects all over the world. Daisy is also an expert on corporate reputation and runs the podcast ‘Why Everybody Hates You’.
Dave Rogers has over 20 years of experience in financial services, including 13 years at Barclays UK, where he most recently served as Intermediary Business Director and previously as Intermediary Partnership Director. With a deep understanding of the intermediary market, Dave has extensive knowledge and expertise in intermediary lending.
David is a seasoned Energy Efficiency and Property Specialist with over 20
years’ experience in the property, construction and clean-energy sectors. He
partners with businesses to develop disruptive propositions that address
industry-wide challenges, and in recent years this expertise has driven him to
spearhead numerous transformative projects – lifting EPC ratings, cutting
energy bills and unlocking millions of pounds in additional asset value across
thousands of properties.
As a recognised industry voice, David regularly publishes influential papers and
speaks at events – reframing the conversation around home energy efficiency
to focus on truly integrated, end-to-end solutions. Bringing together energy
experts, installers, finance providers and technology to deliver the solution that
landlords and owner-occupiers need: reducing reliance on the grid, achieving
net-zero energy bills, and shielding families from cold-related health risks.
By combining data-driven analysis with practical delivery, he ensures every
solution balances technical rigor with real-world impact, making energy
efficiency upgrades accessible while generating robust financial returns.
As a parent of a young family in the UK, David is highly passionate about
transforming our residential sector that currently accounts for 20% of national
carbon emissions into a net-zero champion, paving the way for a cleaner,
healthier future for generations to come
Chloe’s role is to empower the mortgage industry to unlock sustainable homes for the mass market.
This involves leading industry summits, close collaboration with key stakeholders, and delivery of the GFI’s Green Mortgages Certificate training.
With a background in regulatory policy and financial planning, Chloe previously led the cross-industry Green Mortgage Advice Initiative (GMAI) at the Association of Mortgage Intermediaries (AMI), and she is also the author of an acclaimed book on the UK housing crisis.
Duncan is one of the most experienced Business Development Managers at The Cambridge Building Society. In his time at the Society, he has played an active role in strategic initiatives to expand broker relationships and promote innovative lending solutions. With a strong focus on more complex cases, he expanded his role in 2024 to take on project management of the flagship Ferndale Rise project – a retrofit and renovation initiative that forms the foundation of The Cambridge Building Society’s Sustainable Homes Programme.
