With weather-related insurance claims in the UK reaching a record £6.1 billion in 2025, climate risk is no longer abstract. It now directly shapes how lenders assess properties, influencing both mortgage decisions and property insurability.
To understand why, it helps to consider the regulatory expectations on lenders and how environmental risk is being interpreted in practice.
In this blog, we explore how climate risk is influencing mortgage lending, why environmental searches don’t always tell the full picture, and how property-level flood risk...
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