Lendology Carbon Modelling

We collaborated with Lendology, an organisation with 17 years of experience in bespoke lending based on understanding customers' unique situations. This partnership aimed to better quantify the carbon and cost savings generated by Lendology's home improvement loans. Through the development of the Carbon Impact Tool, the impact of these loans on home energy efficiency and carbon emissions was modelled. 

Carbon Impact Tool 


The Carbon Impact Tool, devised by CEE, facilitates understanding of the energy, carbon, and cost savings their loans bring to their customers. The tool assesses the alteration in net energy demand between original and retrofitted homes, considering the savings from various improvement types or their combinations. 

Data and Parameters 

The tool’s efficacy stems from its comprehensive consideration of over 50 distinct parameters from numerous data sources, such as customer data, Energy Performance Certificates (EPC), Ofgem, PVGIS Europa solar data and custom built predictors . Energy demands modelled include water heating, electrical appliances, and home heating, with the latter accounting for losses from walls, floors, roofs, drafts, and thermal bridges. Notably, the tool subtracts local energy generation, like solar panel outputs, considering factors like self-use, battery storage capacity, and energy exportation. 

Savings and Outputs 

The Carbon Impact Tool calculates savings in carbon and cost for every fuel type, factoring in carbon intensity and average fuel prices. Home modifications that can be analysed by the tool include: 

  • Insulation 
  • New Gas Boiler 
  • Glazing 
  • Solar panels 
  • Solar Thermal 
  • Ground Source Heat Pump 
  • Air Source Heat Pump 
  • Biomass Heating System 


The Carbon Impact Tool brings multiple benefits: 

Quantifiable Impact: Through the Carbon Impact Tool, organisations can effectively measure and showcase the tangible environmental impact of their loans. 

Informed Decision Making: By understanding the potential savings of each home retrofit, this information can be grouped regionally, enabling organisations to monitor where loans are making the most impact to inform future decision making.

Promotion of Sustainable Practices: This partnership serves as a beacon for other financial institutions, demonstrating the value and feasibility of incorporating sustainability into their services. 

Enhanced Loan Appeal: Financial institutions can bolster its reputation and attract more eco-conscious customers by showcasing its commitment to sustainable home improvements. 

Long-Term Cost Savings for Customers: By financing energy-efficient home modifications, organisations’ customers not only reduce their carbon footprint but also benefit from lowered energy bills in the long run. 

Get In Touch 

For those interested in understanding the environmental and financial impact of home improvements or other related areas, our Carbon Impact Tool offers a comprehensive solution. If you or your organisation would benefit from its insights or if you have any queries regarding its application, please do not hesitate to reach out to us. We are keen to support further endeavours towards sustainable living and energy efficiency, and we look forward to collaborating with like-minded partners.