InCol Intelligence has launched an automated climate risk reporting platform designed to help UK mortgage lenders meet the Prudential Regulation Authority’s SS5/25 climate risk requirements.
The new solution combines lender portfolio data with property intelligence from PriceHubble and climate risk data from Twinn by Haskoning to produce property-level climate risk assessments and supervisory-ready reports within minutes.
The launch comes as lenders face increasing regulatory scrutiny over how climate-related risks are identified, assessed and managed across their mortgage books.
SS5/25, which came into force in December 2025, requires firms to demonstrate how climate risks are embedded within governance, underwriting, risk management, capital planning and disclosures.
CLIMATE SCENARIO MODELLING
The platform analyses physical and transition risks at an individual property level, including flood exposure, EPC ratings, Minimum Energy Efficiency Standards (MEES) compliance and climate scenario modelling. It also provides full data provenance, allowing lenders to trace every conclusion back to a specific property and data source.
Mark Cunningham (main picture, inset), managing director of PriceHubble UK, said: “Risk assessments must be based on real, property-level evidence rather than broad approximations. That is the foundation any credible SS5/25 assessment needs.”
The system also supports climate scenario analysis for Internal Capital Adequacy Assessment Process (ICAAP) reporting and reverse stress testing, areas that are becoming increasingly important as regulators focus on climate resilience within mortgage lending portfolios.
Frank Wall, co-founder and chief product officer at InCol Intelligence, said: “The challenge for lenders is not obtaining climate data in isolation.
“It is bringing together portfolio data, property intelligence and climate risk information in a way that is consistent, traceable and capable of standing up to supervisory scrutiny. InCol Intelligence provides that framework, producing an evidence-based and explainable report in minutes.”
RISK MANAGEMENT
Mark Nunns, associate director of Twinn by Haskoning, added: “Reliable property-level climate risk data is essential for effective climate risk management and reporting.
“We’re pleased to work with InCol Intelligence and PriceHubble by providing climate risk intelligence to help UK lenders access the evidence they need to better understand portfolio exposure and respond to SS5/25 requirements.”
The launch reflects growing demand from lenders for technology that can simplify climate reporting obligations while providing the evidence regulators increasingly expect to see.
