MAB recognises the urgent need to address climate change and the critical role businesses play in building a more sustainable future
Establishing a Net Zero commitment
MAB is committed to achieving operational net zero (scope 1 & 2) by 2035 and decarbonisation of our value chain in line with the UK’s broader 2050 commitment.
This reflects our dedication to reducing emissions within our direct operations whilst also focussing on the broader decarbonisation of domestic properties and supporting sustainability efforts across our supply chain and industry partnerships.
Our approach to sustainability is pragmatic and impact-driven, focusing on three key areas:
- Environmental Leadership and Advocacy
- Social Responsibility
- Strong Governance and Oversight
Environmental Leadership and Advocacy
As a financial services business overseeing approximately 200 independently operated firms, our environmental impact is primarily through Scope 3 emissions, which fall outside our direct control. We leverage our position as a trusted mortgage advice brand to drive large-scale emissions reductions by:
- Working closely with ARs, Introducers, and Business Partners to support UK built environment decarbonisation.
- Implementing our Resilient Homes proposition to facilitate homeowner access to energy efficiency improvements.
- Helping customers reduce reliance on utility providers, supporting both decarbonisation and financial wellbeing.
Resilient Homes
In 2024, MAB launched Resilient Homes, a pioneering initiative that connects homeowners with solutions to improve their homes’ energy efficiency. Through MAB’s Resilient Homes proposition, we provide our ARs with the means to help customers explore upgrade opportunities via trusted and fully vetted partners, assess the associated costs, secure financing solutions, and access mortgage and protection advice. With 11.5 million owner-occupied homes across England and Wales – representing 72% of all households – there is a significant opportunity to support energy efficiency improvements.
Resilient Homes strengthens our AR proposition while positioning MAB as a key player in advancing the UK’s net-zero ambitions. Approximately 50% of MAB mortgage customers acquire or remortgage properties with an EPC rating of D or below. If just 2% of these customers chose to implement energy improvements such as solar panels with battery storage, MAB advisers would facilitate greenhouse gas reductions of approximately 868 tCO₂ annually. This impact equates to planting approximately 34,720 mature trees each year or eliminating four million miles of standard car travel.
Social
Responsibility
MAB serves a strong social purpose by helping people to finance homes and make informed decisions about major financial commitments. We:
- Ensure customers can protect their financial health and wellbeing;
- Foster an inclusive workplace;
- Promote financial literacy;
- Make mortgage advice more accessible for everyone; and
- Support communities through the MAB Foundation, which provided £70,523 in grants in 2024 and helped raise an additional £124,856 through Crowdfunder.
Our colleagues are integral to our success, and at MAB, we believe that an engaged and balanced workforce drives better outcomes for everyone. We recognise that our colleagues are vital in delivering our mission for our customers, and by supporting and engaging them we will drive strong and sustainable growth. Our ‘People Strategy’, which was launched in 2024, is a key enabler in delivering our overall strategy at MAB. We are committed to building an agile, digital-first organisation that is fit for the future and has the right people, in the right roles, at the right time, guided by key principles:
- Deliver an outstanding colleague experience for everyone who works here.
- Source and develop the skills and talent that will give us the capability to fuel growth and innovation, ensuring that we are fit for the future.
- Develop diverse leaders who inspire growth and learning.
Create an agile and inclusive culture led by trust.
See 2024 Annual Report for detail on Colleague engagement, Learning and development, Wellbeing, Diversity, Equity and Inclusion and Community and volunteering.
Strong Governance and Oversight
Sustainability is embedded in our governance structure through:
- A dedicated Sustainability Committee with senior leaders and executives;
- Regular leadership reviews of our sustainability strategy;
- Alignment with our Mission: “We help people fulfil their aspirations, by making key financial moments in life a simple, happy and reassuring experience”; and
- Support for our Vision: “To become the leading financial partner through life’s key moments. By being an amazing place to work, providing an outstanding experience for our customers, transforming the industry with the best mortgage
journey, having a positive social and environmental impact”.