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Our mortgages
If no two houses are the same, then why should all mortgages be? At UCI, we adjust the finance to your project.
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Rehabilitation of homes and buildings
We finance the rehabilitation of homes and buildings, as part of a drive to decarbonise housing stock.
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Other specialised financial products
Customised finance solutions.
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Real estate
We offer products and services adapted to your needs and those of your clients.
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Rehabilitation Business
Transforming towns and cities, making them sustainable and resilient
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Financial consultants
We surround ourselves with excellent professionals raising finance for our clients’ homes on a daily basis.
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General Information
Institutional information and corporate events
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Financial-economic information
Relevant annual company report
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Issuance
Securitisations
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Corporate Governance and Remunerations Policy
Governance Structure, Risk Management and Compliance
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Other policies
Other corporate documents
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ESG the cornerstone of our commitment
The future will be sustainable, or it will not
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Environment
We promote a sustainable transition through finance.
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Social
People and our connections to them when we grow our business sustainably.
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Good governance
A governance structure that enables us to define a framework for ethical, responsible and transparent action.
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Other policies, codes and standards
Compulsory information in accordance with regulations
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Get to know us
We promote sustainable transition through finance.
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Talent
We want to be a place where you feel at home.
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Press Room
A home is filled with shared stories. Here we tell you ours.
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For a more sustainable and resilient habitat.
ESG
ESG (Environment, Social and Governance) criteria as a cornerstone of our activity
We are committed to people and the planet and with this aim we have incorporated ESG (Environment, Social and Governance) criteria in our activity.
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Environment (E)
Refers to the effect of our activity on the environment albeit directly or indirectly.
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Social (S)
Includes our impact on the community, for example in terms of diversity or human rights.
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Good governance(G)
Corporate governance of the company, the Board of Management and its members, as well as transparency policies and codes of conduct.
We continually compare our ESG (Environment, Social and Governance) approach to the expectations of our interest groups, and we actively participate in conversations to understand their different perspectives. This includes harmonising our goals in the short and long term, and carefully managing the balance between the two. It also means ensuring transparency regarding the costs and opportunities involved.
Environment
Greenizing
We support our client’s transition to a resilient economy with low carbon emissions (E)
The Paris Agreement of 2015 and the Sustainable Development Goals (SDG) as part of the United Nations 2030 Agenda for Sustainable Development was a turning point in creating awareness of the need to develop a sustainable world. At UCI we have integrated sustainability and responsibility in our commitment to our interest groups, offering innovative solutions adapted to the needs of our clients, and in this way contributing to social welfare and care for the environment.
We undertake to:
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1. Develop sustainable and responsible products
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2. Implement projects that will reduce environmental impact
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3. Draw up an environmental risk map
Our commitment is expressed through three main goals
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Sustainable financing -
Reducing our environmental impact -
Management of environmental risks
Social
We grow
We promote inclusive, diverse and egalitarian growth with our interest groups (S)
By integrating social commitment in our ESG /Environment Social and Governance) Strategy, our goal is to have a positive impact on our interest groups throughout the programme:” We support you”. In this way our social strategy centres on the following four main approaches:
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1. Promoting talent and diversity, equality and inclusion that cuts across our entire organisational structure
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2. Encouraging residential inclusion and financial education
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3. Supporting our client from beginning to end
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4. Promoting professionalism and development of the real estate sector
In order to achieve this, we create inclusive and diverse teams of people to drive our business results.
We believe that talent is present in all cultures, countries, races, ethnicities, genders, sexual orientation, disabilities, beliefs, generations, backgrounds and experiences. We aim to create a working environment where everyone can be themselves and feel that they belong.
Good governance
We comply
Our Corporate Governance
We assume that there is no successful "E" or "S" without a functional "G". Accordingly, our goal is to inspire and encourage progress by disseminating a culture of Good Governance, based on an ethical and responsible approach with transparent criteria in order to meet the growing demands of investors and ESG (Environment, Social and Governance) regulators.
We run our business with ethical, responsible and transparent criteria (G)
At UCI we have taken on board a set of principles and values that express our commitment to corporate governance, business ethics and corporate responsibility. Furthermore, in order to implement this ethical and responsible management of our activities, we have set up several courses of action.
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A clear organisational structure with precisely defined lines of responsibility that are transparent and coherent.
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Encouraging ethical conduct that promotes good relations between the Group and the agents involved.
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Implementation of a solid internal governance framework with respect to ESG (Environment, Social and Governance) risks.
Discover our contribution to the 2030 Agenda
We present the initial report on our contribution to Sustainable Development Objectives (SDO), which illustrates our commitment to the 2030 Agenda and transparency regarding our interest groups.