Tackling the climate crisis requires innovative solutions, particularly in the housing sector, where 20% of the UK’s carbon emissions originate. Luke Loveridge, the founder of Propflo, began his journey to simplify sustainability after realising how complex it was to make his own home greener. Leveraging experience from a prior sustainability venture, Propflo now offers tools to empower homeowners and businesses to adopt energy-efficient upgrades seamlessly.
The UK’s housing stock is among the least energy-efficient in Europe, requiring over £250 billion of investment in the coming decades to meet energy standards. Luke explains, “It’s also really important for our energy security. We fundamentally want to help people easily make their homes greener.”
Propflo’s platform simplifies the journey to greener homes by providing businesses and homeowners with a range of innovative tools that bridge the gap between awareness and action. Specifically the platform includes three tools:
Currently, Propflo supports 40–50 homes per month with green upgrades – a number that’s steadily growing. Trusted by major lenders like Hodge Bank and Molo Finance, Propflo is supporting over 1.5 million homeowners.
Luke explains the stakes for lenders: “90% of carbon emissions come from lenders’ back books, so they’ve got huge pressure to decarbonise.” Propflo’s platform helps businesses meet these challenges while engaging customers in meaningful ways.
AI underpins much of Propflo’s innovation. From advanced address-matching algorithms to predictive energy performance analysis, machine learning enhances accuracy and efficiency across the platform. Propflo is also exploring the use of generative AI to engage homeowners long-term, helping them optimise energy use and make informed upgrade decisions.
While AI offers immense potential, adoption in the property and finance sectors has its challenges:
Luke advises organisations to take a problem-first approach: “It’s not about starting with AI and asking what problem we can solve, but identifying your problems and then exploring if AI can address them.”
New regulatory demands, such as Labour’s proposed decarbonisation requirements for financial institutions, present opportunities for Propflo to engage businesses and their employees. Propflo plans to expand partnerships with lenders, brokers, and letting agents to grow its reach, particularly in the private landlord market.
Nonetheless, Luke emphasises that sustainability isn’t just about compliance – it’s a growth opportunity. “Our platform is designed to incentivise brokers, estate agents, and their customers to make these upgrades so they can benefit. It’s not just a PR piece – it’s a revenue growth opportunity.”
Propflo reflects how technology and innovation can transform the housing sector and make sustainability simpler and more achievable for all. By helping businesses and homeowners take action, the platform is working toward Net Zero goals and building a greener future for the UK.
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