Sustainability

As Investment manager, Hypoteket Funds invest solely in high grade mortgages originated by Hypoteket Bolån AB. ESG for us hence will depend greatly on the values and concepts of Hypoteket as a whole.

Hypoteket is a small, highly digitalized firm with limited carbon footprints (which are measured yearly together with GoClimate).

What has a bigger environmental impact however is the housing sector in the form of heating and general energy consumption. The housing ecosystem is something we are part of as a mortgage provider, meaning this is an area where we need to take ownership. 

Green Mortgages is essentially a way of classifying certain mortgages as green based on the energy efficiency of the asset behind the mortgage, i e the house or the flat. If certain criteria are met, the mortgage becomes eligible as Green.

Hypoteket offers Green Mortgages, but perhaps of greater importance in the light of a green transition we also offer atractive financing for home owners who want to make energy saving investments in their property.

What is often somewhat overlooked in ESG, but core at Hypoteket, is the S, for Social. Hypoteket was founded in order to offer fair and transparent mortgages. Our modern way of offering mortgages should make them free from unwanted biases such as bargaining power or where you choose to place your savings, unlike the traditional model where large discounts are given to those who are the most profitable clients or happen to be the best negotiator.

We want to continue to build on this social heritage as we go forward. We want to, together with our investors, be able to offer mortgage solutions also to those who stand further from the housing market. Natural target groups would be the young and/or people with recent citizenship. We would also like to adress the mortgage market malfunction for retirees, who may have solid finances but low income. 

There is plenty to do within ESG in the scope of mortgages!