Home Finance products are homogeneous, mortgage rates do not take into consideration the health of our homes, and there are no rewards for more sustainable household choices.
Welcome to the Smartlayer Ecosystem. A holistic Homehealth rating engine, engagement tools, embedded personalised green finance offerings and rewards. All-in-one-place.
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We are on a mission to enable the most imaginative green home finance experiences that enable high-value, capital, energy and CO2 efficient homes.
Our aim is to foster green finance innovation through our ecosystem with companies that demonstrate a commitment to mobilising data.
Our Enterprise SaaS based HomeHealth tool leverages behavioural finance, AI and gamification to inspire households to adopt a more sustainable lifestyle. The HomeHealth Score is a scientifically calculated number from 0 to 1,000. It’s based on a range of dynamic parameters including EPC ratings, Open Banking data, Energy consumption, household behaviour, hybrid-working, e-mobility, willingness to adopt a more sustainable lifestyle and the power of community.
The Smartlayer HomeHealth Score, akin to a consumer credit score, aligns Bank, Energy, and Household incentives. Unified data lens — Unified Actions. Households, facing the cost of living and energy crisis, are being asked to upgrade homes. For the Banks and Energy companies, Household engagement is critical to delivering a low-carbon, cost-effective sustainable future.
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The HomeHealth Score, linked via APIs to Banks and Energy companies, would enable a trust and fair rates based data exchange between Households and Enterprises.
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75% of existing homes need a retrofit to become net zero and save money on energy bills. The typical mortgage is over 20-25 years and rate shopping is the norm. For the Banks, the Smartlayer HomeHealth Score would enable Banks to build a differentiated, low-churn, lower LTV, more profitable and more loyal mortgage book. For the Energy companies, the HomeHealth Score would accelerate an affordability-led zero-bills homes transition. Wallet-sensitive solutions.
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Empowering homeowners to profit from data from their homes. A trust and fair-rates based data exchange, between the Banks, the Energy companies and the British households.
Key to understanding household health, risks, and opportunities.
In the ever-evolving landscape of finance, home ownership, and
insurance, our platform paves the way for transformative change.
• AI enabled trusted advisor - HomeHealth Score — helping households pay off their largest debt, by optimising the cost of home-ownership.
• AI enabled sustainable homes — Differentiated green products, to households across income levels and community types.
• One-stop-shopping experiences and integrated journeys — Households sharing home data, offered value add services e.g. renew wifi, Netflix, Sky Tv, one-click re-mortgaging.
• Affordability-led one-click decisions — The HomeHealth Score would enable energy companies to understand household affordability constraints, available grants/financing and one-click-preferred rate upgrades.
• Energy usage gamification and rewards — Usage, spend, and rewards experiences in one-place.
• Hyper-personalisation — Targeted solutions that suit each individual home and occupant.
• Tax credits for CO2 efficient homes — The HomeHealth Score, as a dynamic tool, can be used by the Government to offer tax credits to CO2 efficient homes.
• Holistic HomeHealth Score — Full set of data (structural, IoT, Appliances, e-mobility etc) to properly measure household CO2 footprints, by location.
Partnerships are fundamental to our mission, embodying professionalism and trustworthiness.
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