Climate Risk Intelligence for
Mortgage Portfolio Management
Quantify physical climate risk across your entire mortgage book. Meet AASB S2 disclosure obligations, satisfy APRA CPS 230 stress-testing requirements, and make data-driven lending decisions — all from a single platform.
AASB S2 Group 2 mandatory climate reporting commenced 1 July 2026. APRA CPS 230 operational risk requirements now in effect. Lenders must quantify property-level climate exposure across mortgage portfolios. Read the guide →
Screen a Property Against 8 Climate Hazards
Enter an Australian property address to see the same climate risk intelligence that feeds our portfolio-level lender reports.
Preview the same hazard data used in portfolio screening and regulatory reports.
Built for Mortgage Portfolio Risk Management
From origination screening to portfolio stress testing, ClimateNest delivers the property-level data your risk and compliance teams need.
AASB S2 Portfolio Disclosure
Generate the property-level climate risk data required for AASB S2 climate disclosures. Our reports break down portfolio exposure by hazard type, region, and severity — ready for inclusion in your annual sustainability report. Outputs align with Task Force on Climate-related Financial Disclosures (TCFD) recommendations and the ISSB framework.
APRA CPS 230 Stress Testing
Run climate scenario stress tests across your residential and commercial mortgage books under RCP 4.5 and RCP 8.5 trajectories. Identify concentration risk by postcode, hazard zone, and LVR band. Generate ICAAP-ready outputs with property-level value-at-risk, probability of default adjustments, and expected loss projections to 2050.
Real-Time Origination Screening
Screen individual properties at loan origination, with a complete report back in about a minute. Automatically flag high-risk addresses where climate exposure may affect LVR, insurance availability, or long-term security value. Integrate climate risk scoring into your credit decision engine and loan origination workflow via REST API or MCP Server.
From Portfolio Upload to Compliance Report
Upload Portfolio
Upload your mortgage book as CSV or connect via API for live streaming
Hazard Screening
Each property scored across 8 hazards using BOM, CSIRO, ABS data
Scenario Analysis
RCP 4.5 and RCP 8.5 projections to 2050 with financial impact modelling
Regulatory Report
Export portfolio dashboards and disclosures ready for AASB S2 and APRA
ClimateNest vs Alternative Portfolio Risk Platforms
How ClimateNest compares to the leading property climate risk platforms used by Australian lenders.
| Feature | ClimateNest Index™ | SumClimate | XDI |
|---|---|---|---|
| Coverage | ✅ AU-wide | ⚠️ Global (AU limited) | ⚠️ Global, non-AU calibrated |
| Hazards Assessed | ✅ 8 hazards (flood, bushfire, heat, coastal, wind, storm, social, energy) | ⚠️ 4 hazards | ⚠️ 6 physical hazards |
| AU-Specific Calibration | ✅ Full AU calibration (BOM, CSIRO, ABS) | ⚠️ Global model, less AU precision | ⚠️ Global insurance model |
| Goal-Aware Weighting | ✅ 5 intent profiles (lender, owner, investor, buyer, conveyancer) | ❌ No goal-weighting | ❌ Insurer-only model |
| API Response Time | ✅ <1 second | ⚠️ Varies by region | ⚠️ Batch processing typical |
| Portfolio Batch Screening | ✅ 10,000+ addresses per batch | ⚠️ Limited batch size | ✅ Full portfolio (enterprise) |
| APRA CPS 230 Scenarios | ✅ RCP 4.5 & 8.5 stress tests | ❌ Not aligned to APRA | ⚠️ Global scenarios only |
| Financial Projections | ✅ Property value impact, insurance trajectory, PD adjustments | ⚠️ Index scores only | ✅ AAL & PML (insurance-focused) |
| Regulatory Export | ✅ AASB S2, TCFD, ICAAP-ready | ❌ No AU regulatory exports | ⚠️ Limited AU-specific exports |
| MCP Server / Real-Time API | ✅ REST API + MCP server | ❌ API not publicly available | ⚠️ Enterprise API only |
| Pricing Model | ✅ From A$12.00/report per report or enterprise subscription | ⚠️ Enterprise license required | ⚠️ Enterprise license required |
| Support for Lenders | ✅ Origination screening + portfolio monitoring + disclosure | ⚠️ General climate risk | ⚠️ Insurance underwriting focus |
The Cost of Ignoring Portfolio Climate Risk
Climate risk is already reshaping Australian property values — and regulators are demanding quantifiable evidence that lenders are managing this exposure. The question isn't whether to screen, but how thoroughly.
Regulatory Enforcement
APRA has signalled increased scrutiny of climate risk management in portfolio credit risk frameworks. Inadequate scenario analysis may result in capital add-ons.
Asset Devaluation Blind Spots
Properties in high-risk zones may lose 15–30% of value by 2050. Lenders without property-level risk data cannot accurately assess security value trajectory.
Insurance-Linked Default Risk
Rising premiums and expanding uninsurable zones directly affect borrower capacity. ClimateNest quantifies insurance trajectory at the property level.
Risk Metrics That Matter to Credit Committees
Climate-adjusted PD modelling for high-risk postcodes, integrated with LVR and LMI triggers.
Higher expected loss ratios in flood and bushfire zones where recovery values are depressed.
Identify excessive single-hazard exposure in specific postcodes or LGAs to inform lending limits.
Projected year when insurance becomes unaffordable or unavailable for each mortgaged property.
Pricing for Lending Institutions
From individual property screening to enterprise portfolio monitoring, choose a plan that matches your institution's volume.
Portfolio Screening
For Credit Unions- 8-hazard portfolio risk overview
- 5 climate risk reports
- Portfolio comparison dashboard
- Bulk address upload
Enterprise All-Access
For Banks- Unlimited in practice (100 reports/month)
- Firm branding on every report
- Client reference on each report
- Priority generation
- Invoice billing available
Frequently Asked Questions — Banks & Lenders
Start Screening Your Mortgage Portfolio Today
Join Australian lenders using ClimateNest to quantify climate risk, meet regulatory obligations, and make more informed lending decisions.