Grow green lending and meet climate disclosure
Grow green lending, price climate risk at the property level, and meet mandatory disclosure — on the data layer Australia’s largest bank already runs on.
Portfolio assessment
Combine property, climate, and demographic data to identify green loan opportunities and climate risk across your lending portfolio.
Customer energy modelling
Use billing data and building attributes to identify the best candidates for sustainable financing products and green loan eligibility.
Customer engagement & retention tools
White-label assessment tools that help customers understand property performance and connect to relevant financial products.
Marketing funnel & targeting
Define high-value customer segments and track the complete journey from energy assessment to loan completion.
Results dashboards & outcomes
Real-time dashboards showing loan performance, customer savings, and portfolio ESG impact for reporting and compliance.
ESG compliance & reporting
Automated data collection that simplifies sustainability compliance and tracks portfolio decarbonisation for regulatory requirements.
Helping your customers choose their next home energy improvement
Our trusted affiliations and industry achievements
Turn energy data into new products and services
Decision tools to support consumer action
Enable new sustainable finance products, improve lending decisions, and strengthen customer relationships through actionable property energy intelligence.
Simplify ESG compliance
Accurate data for regulatory reporting
Property-specific emissions data and real-time carbon assessments deliver the accuracy banks need for regulatory disclosure and stakeholder reporting.
How Commonwealth Bank connects customers to home energy savings
White-label HEAT delivered personalised energy assessments to CBA mortgage customers — 11,250+ customers identified up to $2,200 in annual savings, and conversion improved by 42%.
Working with you
At every stage, we work with you to make sure that you and your clients achieve the best possible results.
With co-branding or white labelling, customers can access our HEAT Home Energy Assessment Tool through secure platforms on your brand and discover the energy performance of their home.
Once customers have accessed and confirmed their home’s energy information in the Home Energy Audit Tool, they will be:
- recommended the next best step to improve their rating
- given a clear snapshot of the money they can save by choosing an energy efficient solution
- advised how much that will cost
- connected to tailored green loan options.
With funds in hand, they will be connected to trusted suppliers and installers in their area who can complete the work.
VALAI can help you reshape risk into positive impact.
Large financial institutions in Australia have a legislated requirement to prepare annual sustainability reports, declaring their climate-related risk and reporting on the steps they have taken to reduce it.
Working with VALAI means that you are armed with accurate up-to-date data on energy use, costs, and emissions. Ready to report to authorities and share your successes with the world.
VALAI data offers a portfolio-wide view for global management. By nurturing the positive action of individual customers, you can manage and reduce the climate risk of your portfolio.
The continuous collection of portfolio-specific climate risk data through VALAI supports your climate transition planning, as well as informing product strategy and marketing.
Your brand strengthens through improved customer satisfaction and loyalty, particularly for younger customers who have higher lifetime value and seek out sustainable financial solutions.
Managing the climate risk of homes has never been easier.
Managing the climate risk of homes has never been easier
Not your sector? Our modular system can integrate
in many ways — let’s talk about your business. Contact us.