Is Climate Change the New ‘Credit Score’ for Your Home?

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Welcome to the CanadianSME Small Business Podcast, hosted by Maheen Bari, where we unpack the systems shaping Canada’s economic and climate future. Today’s episode tackles one of the biggest challenges ahead: retrofitting millions of homes to meet climate targets, and why outdated data is the real barrier slowing progress.

In this conversation, Winston Morton, CEO of Climative, explains how AI-driven property-level insights are transforming climate risk into actionable financial intelligence. The discussion explores climate risk as credit risk, homeowner-focused solutions, climate tech scaling in Canada, and how lenders are rethinking emissions and mortgage decisions using better data.

Key Highlights:

  • Climate as Credit Risk: Why property-level climate data now impacts mortgage stability.
     
  • Homeowner-Centered Solutions: How upgrade pathways reduce risk and unlock financing.
     
  • Scaling Climate Tech: Practical advice for building climate technology in Canada.
     
  • Financed Emissions: How granular data reshaped portfolio insights for Vancity.
     
  • Future Lending Models: How AI will influence property-level credit decisions by 2026.

Special Thanks to Our Partners:

UPS: https://solutions.ups.com/ca-beunstoppable.html?WT.mc_id=BUSMEWA

Google: https://www.google.ca/

A1 Global College: https://a1globalcollege.ca/

ADP Canada: https://www.adp.ca/en.aspx

For more expert insights, visit www.canadiansme.ca and subscribe to the CanadianSME Small Business Magazine. Stay innovative, stay informed, and thrive in the digital age!

Disclaimer: The information shared in this podcast is for general informational purposes only and should not be considered as direct financial or business advice. Always consult with a qualified professional for advice specific to your situation.

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Maheen Bari
A Client Manager at CanadianSME, Maheen adds a practical, hands-on perspective to the podcast. Her experience in conducting interviews, coordinating events, and collaborating with business experts provides valuable insights into the day-to-day realities of running a small business. Her involvement in the magazine’s marketing initiatives also brings a valuable understanding of audience engagement and content strategy.