Bring property intelligence into every lending decision.
Lightspark gives lenders address-level insight into a home's energy performance, upgrade potential and climate risk — the factors that increasingly shape value, affordability and portfolio exposure.
Fire Score
4/5
Climate Resilient Loan
$35,000
Flood Score
3/5
Premium Discount after Upgrades
15%
The physical condition of a home is missing from most lending data.
Lenders can see the transaction and the borrower, but rarely the building: how it performs, what it costs to run, what it would take to improve it, and how exposed it is to climate risk.
A $65,000 Home Improvement Opportunity
Borrower file
Alex & Sam Chen
Refinance with upgrade bundle · 1234 Main Street
Upgrade ask
$65,000
GDS ratio
31%
Target < 35%
TDS ratio
37%
Target < 42%
Home energy score
62
Top quartile after upgrades
Current monthly
$4,700
Proposed with upgrades
$4,850
Upgrade bundle A — Comfort & risk
Insulation, windows and heat-pump water heater
$65,000
Advisor prompts
- 1. Position the upgrade bundle.
- 2. Walk through payment options.
- 3. Confirm comfort priorities.
Actions
Lightspark score
40
/100
HomeIQ finds the opportunity. Engage turns it into action.
Banks have opportunities to finance home improvements and build brand with homeowners.
With HomeIQ
- —Energy, carbon and building performance characteristics on every address
- —Retrofit potential, predicted savings and upgrade cost estimates
- —Fire, wind and flood risk scores for portfolio exposure analysis
- —Access through a single REST API or bulk portfolio analysis
With Engage
- —Offer customers a branded home improvement planning experience
- —Surface renovation and green lending products at the moment of intent
- —Show upgrade plans with financing already modelled in
- —Create a warm pipeline of qualified renovation borrowers
Rapid Program Design
Design retrofit programs that actually get delivered.
Better visibility into physical and climate risk across the portfolio
New origination pathways tied to home upgrade demand
Credible data for green lending and disclosure requirements
“Today, we are pleased to announce our partnership with Lightspark Software to roll this software out.”
Meigan Terry
SVP, Chief Sustainability, Social Impact and Communication Officers, Scotiabank