This project will turn Essex County Council's (ECC) retrofit ambition into investable delivery in local authority two-tier areas (where both county and district councils share responsibility), starting in Essex with a social landlord pilot. The innovation is a trusted data-to-finance pathway. We will conflate landlord asset records with real-world energy use and billing data, secured with the owner's consent. We will then use this data to prioritise homes, package works by archetype and prepare bank-grade investment packs that can move through credit assessment with confidence. Building on earlier EssNet work, we will use data not only to reduce delivery costs, but also to standardise and bundle smaller projects into aggregated portfolios that are attractive to institutional investors. This is a step change: instead of relying on static proxies such as EPC ratings, we will use observed performance so that lenders can underwrite retrofit against evidence rather than estimates. This process will be co-designed with: 1. **Experian** (our data and analytics partner), providing the consent workflow, secure integration, and portfolio analytics 2. **NatWest**, advising on finance structuring and shaping term sheets to reflect lender expectations and market practice. Bankers for Net Zero (B4NZ) will act as a convener, bringing together authorities, landlords, lenders, underwriters, and data providers to agree common rules and standards that lower transaction costs and transform fragmented activity into investable portfolios. Open data pathways and digital infrastructure will make emissions and savings data more reliable, interoperable, and lower cost. In turn, this helps banks, investors, and government to target finance where it achieves the greatest impact. The pilot will strengthen the evidence base through additional sites. Learning will be shared with Kent, Surrey, and Brighton & Hove councils, alongside a wider network of authorities. In line with Strand 2 guidance, if funded we will work with xRI to combine Essex pipelines and Experian data with national sensing datasets to improve targeting. Outputs will be practical and ready for adoption. These include: * A live data and consent framework in Essex, * A standard schema and onboarding kit for landlords, * A house triage and aggregation toolkit, * Bank-grade investment packs and model term sheets shaped with NatWest, * A portfolio evaluation with verified savings, and * A blueprint for schools and the wider public estate. Over time, this approach can unlock significant private capital for retrofit by giving the market the data certainty, shared standards, and confidence it needs to scale.