1
Type Speaker CPD Hours Level
Webinar
1.25 IntroductionInformation
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SRA Competency B

Introduction

Until recently green mortgages were a niche form of home finance, but they are fast entering the mainstream as major high-street lenders launch their green mortgage offerings.

New government initiatives, including the November 2020 Ten Point Plan for a Green Industrial Revolution and the December 2020 Energy White Paper, aim to kickstart the green home finance market, with an emphasis on improving the energy efficiency of homes.

Consumer behaviour is shifting to demand socially responsible and sustainable finance. At the same time, an increasing number of financial services firms are committing to integrate environmental, social and governance (‘ESG’) factors into their businesses.

As regulators flag concerns about the financial sector’s exposure to climate risk, research from the Bank of England indicates that mortgage borrowers in green homes are at lower risk of defaulting.

This new webinar is suitable for financial services lawyers, conveyancers, and mortgage intermediaries.

What You Will Learn

This webinar will cover the following:

  • What green mortgages are, how they differ from conventional mortgage loans and why they are attractive to homeowners and lenders
  • How green mortgages are regulated - the Financial Services and Markets Act, the Mortgage Credit Directive Order, the Financial Services (Distance Marketing) Regulations and the Energy Performance of Buildings Regulations
  • How green mortgages are documented - pre-contractual information, the mortgage offer, the terms and conditions, the mortgage security, and the energy performance certificate
  • How green mortgages are funded - regulatory capital treatment, mortgage warehouse funding, securitisation, and covered bonds

This webinar was recorded on 15th July 2021

New: Enjoy unlimited 24/7 access to over 1197 webinars with an MBL Annual Webinar Subscription. Email webinarsubscription@mblseminars.com for details.

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Green Mortgages - A Guide to the Essentials

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