The Intermediary – August 2025 - Flipbook - Page 73
Q&A
Over time, EPCs and energy efficiency will
become as fundamental to mortgage decisions as
income and credit score.
lender relationships, which are key to delivering
choice and flexibility for our clients.
It also ensures we remain fully aligned with
evolving regulatory standards, which is critical
as the mortgage and green finance landscape
continues to shift.
Our membership of the Open Property Data
Association (OPDA) enhances this further by
connecting us to initiatives driving smarter use of
property data.
It keeps us at the forefront of interoperability,
open standards, and data innovation – so we
can build tools that are not just compliant, but
future-ready.
What are the biggest
misconceptions, among clients or
advisers, about green or energy
efficiency-linked home finance?
A common misconception is that green mortgages
are only for new-builds or high-end eco homes.
In reality, many lenders offer incentives for even
modest energy improvements or EPC-rated
properties. Another myth is that the criteria are
complex or hard to access, which is why we built
EPC integration and intelligent filters directly
into Lenderhive – to make it simple, visible, and
actionable from day one.
What differentiates Lenderhive
from the competition?
Lenderhive isn’t just a mortgage platform – it’s a
values-led ecosystem. Our tech is built to be fast,
transparent, and green by design.
What sets us apart is the seamless blend of realtime data, sustainability-led features, and adviserfirst tools.
How important is open data and
digital connectivity for the future
of mortgage broking?
How does your accreditation
Open data is essential. It unlocks
smarter, faster, and more personalised
advice. By connecting to datasets like
EPC registers, lender criteria APIs, and
property databases, we reduce friction
and increase accuracy. The future
of mortgage broking isn’t just digital
– it’s intelligent. That means building
platforms that talk to each other.
How do you educate borrowers
about the benefits and eligibility
criteria for green mortgages?
We believe in making green finance accessible, not
abstract. Our platform flags green opportunities
automatically based on the property’s EPC
and the lender’s criteria. We also provide clear,
jargon-free guidance so brokers can explain the
benefits confidently. Education doesn’t need to be
overwhelming – if it’s embedded in the journey, it
becomes part of the decision-making process.
How do partnerships amplify
your market access, regulatory
alignment, and data capabilities?
Being an appointed representative (AR) of
Rosemount gives us broad market access and deep
from The Good Shopping
Guide influence brand
perception and client
engagement?
JAMES
ARMITAGE
Accreditation from The Good Shopping
Guide reinforces our commitment to ethical
business practices and sustainability. It’s not just
a badge – it’s a signal to clients that we’re serious
about doing the right thing.
As consumer awareness grows around both
financial wellbeing and environmental impact, this
kind of third-party validation helps build trust and
meaningful engagement.
What’s next for Lenderhive?
We’re continuing to push the boundaries of what a
mortgage platform can do.
In the coming months, we’re launching deeper
retrofit finance tools, expanding our green
mortgage database, and piloting AI-driven
prompts to help brokers spot new opportunities in
their pipeline.
We’re also forming strategic partnerships across
the retrofit and energy space, to create a truly
end-to-end green home finance experience.
The mission stays the same: simplify, connect,
and lead with insight. ●
August 2025 | The Intermediary
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