ESG Commitment

Embedding Environmental, Social and Governance principles across all aspects of our business

Relm is committed to embedding Environmental, Social and Governance (ESG) principles across all aspects of our business. We recognise the importance of responsible lending and sustainable business practices, and we actively consider ESG factors in our decision-making, investment approach, and day-to-day operations.

In doing so, we aim to create long-term value for our borrowers, employees, investors, and the communities in which we operate, while maintaining the highest standards of governance and ethical conduct.

Our ESG Framework

Environmental

Supporting sustainable property development and refurbishment, and encouraging energy-efficient improvements across the assets we finance.

We actively encourage borrowers to consider energy performance certifications, sustainable building materials, and renewable energy solutions in their projects. By prioritising environmentally responsible developments, we contribute to reducing the carbon footprint of Ireland’s real estate sector.

Preference for properties with strong EPC ratings or clear improvement plans
Support for retrofitting and energy efficiency upgrades
Consideration of climate risk in asset valuation and lending decisions

Social

Working responsibly with borrowers, supporting our employees, and contributing positively to the communities connected to the projects we fund.

We believe that responsible real estate finance should benefit not only investors and lenders, but also the wider community. We support projects that provide quality housing, create employment opportunities, and enhance local infrastructure.

Fair and transparent dealings with all borrowers and partners
Commitment to employee development and wellbeing
Support for projects that deliver positive community outcomes
Diversity and inclusion in our workplace and business relationships

Governance

Maintaining strong internal controls, transparent decision-making, and disciplined credit and risk management processes.

Our governance framework ensures accountability, integrity, and compliance across all operations. We maintain rigorous standards in credit assessment, risk management, and regulatory compliance, while fostering a culture of ethical conduct.

Robust credit underwriting and approval processes
Regular monitoring and reporting of portfolio performance
Compliance with all relevant regulatory requirements
Transparent communication with investors and stakeholders
Anti-money laundering and know-your-customer protocols

Sustainable Growth

Through this framework, Relm seeks to ensure that its lending activities contribute to responsible, sustainable growth within the Irish real estate sector.