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.
“Lightspark can enable Leading Banks to identify the most impactful opportunities for energy and carbon savings within their communities with greater precision.”
Chris Castro
former Chief of Staff, U.S. Department of Energy; Executive Director, Climate First Bank
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
“By focussing on a deep data warehouse, they have developed a solution that will allow insurers, financial institutions and homeowners to make timely decisions to make the investments that will reduce risks and costs.”
Tamara Vrooman, O.B.C.
Former CEO, VanCity Credit Union and Chair Canada Infrastructure Bank, and currently CEO Vancouver International Airport
Find the homes. Fund the work. Prove the impact.
Turn community-level property intelligence into funded energy-efficiency and climate-resilience projects. Lightspark helps Green Banks and community lenders understand every home, target the right opportunities, engage homeowners with a clear project plan, connect improvements to financing and measure what the capital accomplished.
High Energy Savings Potential
$2,400/year
Heat Pump Opportunity
$18,000 Financing
Wildfire Risk
4/5
Priority Community
Program Eligible
Understand every home in the community before you spend a dollar.
HomeIQ and HorizonIQ turn an entire geography into an actionable picture of building performance, upgrade potential and physical climate risk.
- Property and building characteristics
- Energy and carbon performance
- Estimated energy cost
- Upgrade potential and economics
- Available rebates
- Wildfire, flood and wind risk
- Program eligibility and priority geography
One address starts everything.
Engage turns a property record into a clear, branded homeowner journey—from first address match to a finance-ready improvement plan.
- 01Enter your address
- 02Sign up
- 03Digital audit
- 04Score dashboard
- 05Product bundles
- 06Trade network
- 07Financing
Turn a property opportunity into a homeowner project.
The actual Engage experience gives each homeowner personalized upgrade bundles with modeled costs, savings, rebates, payback and next steps—all generated from the same HomeIQ property record used to target the program.
Show the homeowner the investment, not simply the loan.
$24,900
Improvements
−$6,900
Rebates
=$18,000
Financing
$200/month
Estimated energy savings
$167/month
Illustrative financing payment
Loan rates and terms are set by the lender. Lightspark supplies the modeled property, upgrade, rebate and savings inputs.
Help communities prepare homes for the climate that's coming.
Risk → Resilience → Financing → Action.
The data that finds the home is the data that measures the outcome.
Community
HomeIQ identifies opportunity
Home
Engage personalizes the project
Capital
Financing enables the work
Improvement
Trade completes the measure
Impact
Energy · Carbon · Affordability · Resilience
From dollars deployed to measurable community impact.
Homes reached
Applications generated
Projects financed
Capital deployed
Cost per funded project
Energy savings
Carbon reduction
Household cost savings
Resilience improvements
Priority-community participation
See what your community looks like through Lightspark.
Give us a geography. We can show you where the opportunities are, what kinds of projects exist, which homes to engage and what a residential financing program could accomplish.
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
“Scotiabank is pleased to support the activation of Lightspark's Energy Efficiency Concierge platform which will help homeowners shift from thinking to acting on home carbon reduction.”
John Webster
President and CEO, Scotia Mortgage Corporation; Head of the Real Estate Secured Lending Unit at Scotiabank