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How are Mortgages and Loan repayments treated?

Every transaction, whether for a product or service, can be a source of emissions. Mortgage or Loan repayments are no different. When you make a loan repayment, you're typically paying for a few different things: interest, administration charges, and paying off a portion of the principal. Most components of a mortgage repayment have an associated carbon footprint. The carbon emissions factor applied is based on the estimated average emissions of entities that our partner Cogo considers forms part of the Australian Financial Services industry (the industry that Cogo has assigned to these types of transactions).


To help you understand how the Carbon Footprint Tracker feature works, our partner Cogo has provided answers to your most frequently asked questions.