Industries

Solutions

AI & Data

Developers

Resources

Company

Request a demo

Industries

Solutions

AI & Data

Developers

Resources

Company

Request a demo

SS5/25 climate risk reporting for UK mortgage lenders

Integrating data from PriceHubble and Twinn by Haskoning, InCol Intelligence has developed a property-level climate risk assessment report designed to help lenders address SS5/25 expectations, incorporating property data from PriceHubble and climate risk data from Twinn by Haskoning for UK mortgage lenders.

Request a demo

Automated valuation model from PriceHubble

Step 1: Upload your portfolio data

The lender uploads portfolio data in Bank of England template format or a similar portfolio extract.

Step 2: Property-level enrichment

InCol Intelligence orchestrates queries to PriceHubble and Twinn by Haskoning. Every property in your book is matched and enriched.

Step 3: Structured, attributed report

InCol generates a structured report with full data attribution throughout. Every conclusion is traceable to its source.

From mortgage loan portfolio data to an SS5/25 report

Upload your existing mortgage portfolio data and receive a structured, SS 5/25-aligned climate risk assessment with full data attribution. In minutes, not months.

The regulatory deadline is approaching

SS5/25 came into force on 3 December 2025, replacing SS3/19 in full. UK lenders now have a clear timetable for evidencing their position on climate-related financial risk.

The regulatory deadline is approaching

SS5/25 came into force on 3 December 2025, replacing SS3/19 in full. UK lenders now have a clear timetable for evidencing their position on climate-related financial risk. Learn more in our blog article

Read the article

From mortgage loan portfolio data to an SS5/25 report

Upload your existing mortgage portfolio data and receive a structured, SS 5/25-aligned climate risk assessment with full data attribution. In minutes, not months.

Step 1: Upload your portfolio data

The lender uploads portfolio data in Bank of England template format or a similar portfolio extract.

Step 2: Property-level enrichment

InCol Intelligence orchestrates queries to PriceHubble and Twinn by Haskoning. Every property in your book is matched and enriched.

Step 3: Structured, attributed report

InCol generates a structured report with full data attribution throughout. Every conclusion is traceable to its source.

Step 1: Upload your portfolio data

The lender uploads portfolio data in Bank of England template format or a similar portfolio extract.

Step 2: Property-level enrichment

InCol Intelligence orchestrates queries to PriceHubble and Twinn by Haskoning. Every property in your book is matched and enriched.

Step 3: Structured, attributed report

InCol generates a structured report with full data attribution throughout. Every conclusion is traceable to its source.

Regulatory alignment

Structured to address PRA SS5/25 expectations across Scope, Materiality Assessment, Time Horizons, and Data Provenance.

Physical risk analysis

Flood risk assessed by source with present-day baselines and 30-year and 75-year projections under three RCP scenarios. Properties at “High” or “Very High” risk identified.

Transition risk assessment

EPC ratings, Green Asset Ratios, and MEES compliance assessed across the portfolio.

Scenario resilience

A stress test view showing portfolio performance under Paris-aligned and business-as-usual climate futures.

Prioritised recommendations

A structured action plan covering immediate, short-term, and medium-term steps.

Data provenance

Every data point attributed to its source; every conclusion traceable to the specific property and dataset.

What the SS5/25 climate risk assessment report covers

The output is a comprehensive, property-level climate risk assessment designed to support SS5/25 expectations across all five PRA areas.

Key benefits of the report

Data provenance: Every conclusion traces to a specific source and property.

Holistic risk view: Physical and transition risk combined in a single output, surfacing “double impairment” risks.

Efficiency at scale: Property-level analysis across thousands of loans, delivered in minutes.

Future-proofing: RCP scenarios extending to the 2080s make the report a strategic tool for the next 30 years.

Governance integration: Outputs link to board oversight, risk appetite, and committee accountability.

Future-proofing: RCP scenarios extending to the 2080s make the report a strategic tool for the next 30 years.

Governance integration: Outputs link to board oversight, risk appetite, and committee accountability.

What the SS5/25 climate risk assessment report covers

The output is a comprehensive, property-level climate risk assessment designed to support SS5/25 expectations across all five PRA areas.

Regulatory alignment

Structured to address PRA SS5/25 expectations across Scope, Materiality Assessment, Time Horizons, and Data Provenance.

Physical risk analysis

Flood risk assessed by source with present-day baselines and 30-year and 75-year projections under three RCP scenarios. Properties at “High” or “Very High” risk identified.

Transition risk assessment

EPC ratings, Green Asset Ratios, and MEES compliance assessed across the portfolio.

Scenario resilience

Structured to address PRA SS5/25 expectations across Scope, Materiality Assessment, Time Horizons, and Data Provenance.

Prioritised recommendations

A structured action plan covering immediate, short-term, and medium-term steps.

Data provenance

Every data point attributed to its source; every conclusion traceable to the specific property and dataset.

Regulatory alignment

Structured to address PRA SS5/25 expectations across Scope, Materiality Assessment, Time Horizons, and Data Provenance.

Physical risk analysis

Flood risk assessed by source with present-day baselines and 30-year and 75-year projections under three RCP scenarios. Properties at “High” or “Very High” risk identified.

Transition risk assessment

EPC ratings, Green Asset Ratios, and MEES compliance assessed across the portfolio.

Scenario resilience

A stress test view showing portfolio performance under Paris-aligned and business-as-usual climate futures.

Prioritised recommendations

A structured action plan covering immediate, short-term, and medium-term steps.

Data provenance

Every data point attributed to its source; every conclusion traceable to the specific property and dataset.

See a sample climate risk assessment report

Watch the video below to learn more about the insights that each climate risk assessment report provides.

Request a demo

“What is distinctive is the combination of the different capabilities. This is not just a generic climate overlay or a high-level summary report. It is a way of joining lender data, property intelligence, and climate risk intelligence together so that the final output is evidence-based, explainable, and capable of standing up to scrutiny.”

– Frank Wall, Co-founder and CPO, InCol Intelligence

The climate risk assessment report: how it works

PriceHubble and Twinn by Haskoning each contributed specialist data or capabilities that feed into InCol’s reporting framework:

InCol Intelligence: The processing and reporting engine. Ingests lender portfolio data, orchestrates enrichment queries, and generates a structured report with full data attribution. Keeps the lender in control of the narrative throughout.

PriceHubble: Provides property-level climate data matched directly to the mortgage portfolio via Property Title Numbers, including flood depth projections, subsidence risk scores, EPC ratings, and carbon intensity metrics.

Twinn by Haskoning: Provides climate risk data supporting the analysis and reporting process.

Built to support SS5/25 expectations

Reporting structure designed to address all five PRA SS5/25 supervisory expectation areas

Property-level granularity across flood, subsidence, EPC, and carbon intensity

Full data provenance and source attribution for every conclusion

Forward-looking scenarios at 30-year and 75-year horizons under RCP 2.6, 6.0, and 8.5

Designed to support PRA Chapter 4 data requirements

Lender retains narrative control throughout

Forward-looking scenarios at 30-year and 75-year horizons under RCP 2.6, 6.0, and 8.5

Designed to support PRA Chapter 4 data requirements

PriceHubble

About PriceHubble

Contact

Media

Blog

PriceHubble News

Ebooks, webinars, case studies and more

Partners

PriceHubble

About PriceHubble

Contact

Media

Blog

PriceHubble News

Ebooks, webinars, case studies and more

Partners

PriceHubble

About PriceHubble

Contact

Media

Blog

PriceHubble News

Ebooks, webinars, case studies and more

Partners

Request a demo

We will get back to you quickly.

We look forward to speaking with you.

Request a demo

We will get back to you quickly.

We look forward to speaking with you.

First name *

Last name *

Email *

Phone number *

Company *

Your Business *

Country *

I would like to get more insights about PriceHubble through emails. If I change my mind, I can unsubscribe at any time.

By clicking "Request demo", I thereby accept Pricehubble's Privacy policy.

Thank you!

We will get back to you within 24 business hours.

Thank you!

We will get back to you within 24 business hours.