Join Cogo’s Retrofit Platform Pilot: Solving the challenge of home energy retrofits

The UK is at the start of the home energy transition, but adoption is still struggling to take off. The solutions exist, yet upfront costs and unclear returns are holding homeowners back.

At Cogo, we believe the key to unlocking the benefits of the transition lies in partnership - between financial institutions, technology providers, installers, and homeowners.

But banks and building societies are at risk of being left behind.

That’s why we’re launching our Cogo Retrofit Platform Pilot, inviting forward-thinking banks or building societies to collaborate with us on how best to engage customers and how to increase uptake of green financing.

A recent report by E.ON found that 93% of households want to improve their home energy efficiency, yet 60% cite upfront cost as the main obstacle. For lenders, this represents both a challenge and a major opportunity: to engage borrowers more deeply, strengthen financial resilience, and reduce financed emissions.

Cogo’s new Home Electrification Platform helps customers understand, plan, and act on retrofit improvements. But this isn’t simply a digital challenge. Success will require collaboration, innovation, and the right mix of data, design, marketplace, and finance.

That’s where the pilot comes in. We’re looking for value-aligned financial institutions to join us in testing new models for:

• Green finance innovation
• Mortgage and broker engagement
• Real-time end to end home owner support
• Installer and supplier marketplace orchestration

This isn’t a commercial partnership - there are no fees or commitments - but a structured collaboration focused on shared learning, insight, and innovation. Together, we’ll explore what truly enables homeowners to take action, and how financial institutions can play a leading role in accelerating the transition.

If your organisation is interested in being part of this initiative, we’d love to hear from you.