ESG strategy

ESG mission

We observe that our institutional clients are increasingly confronted with societal issues. Additionally, they face growing regulatory requirements and obligations, such as increasing sustainability reporting standards. As an experienced investment partner, Achmea Mortgages is committed to optimally supporting clients in these areas and providing tailored solutions to meet their ESG needs. Our management of various mortgage labels, each with its own approach to ESG strategy, is advantageous for clients, who benefit from the diverse experiences of each label. At the same time, we maintain our overall ESG strategy as an asset manager. We aim to streamline operations for our institutional clients (investors), employees, partners, and regulators and collaborate closely with them, ultimately aiming to have a significant societal impact through mortgage investments.

ESG vision

As a dedicated asset manager, Achmea Mortgages views it as a core mission to assist institutional clients in achieving stable financial returns while also promoting sustainability. We understand that our clients have an increasing need for mortgage portfolios with significant positive social and environmental impacts. Therefore, ESG plays a central role in our investment vision: investing with purpose forms the foundation, with
attention to people, the environment, and society.

Achmea Mortgages is part of Achmea. As stated earlier in this document, Achmea’s purpose is “Sustainable Living Together”: an inclusive society where everyone participates and lives pleasantly and healthily together. Achmea Mortgages contributes to this by offering responsible, green mortgage products to Dutch consumers. We go further by providing practical assistance with sustainability, for example, through the Climate Store. In this way, we also meet the needs of our institutional clients.

Sustainable Development Goals

As a supplement to relevant ESG legislation, Achmea Mortgages embraces overarching voluntary commitments such as the United Nations' Sustainable Development Goals (SDGs). The SDGs guide the societal agendas of governments, businesses, and investors. They consist of 17 development goals, supported by 169 specific targets.

Achmea Mortgages focuses on three SDGs. The themes of these SDGs align well with our long-term ESG objectives:

Financing the energy transition and supporting our customers in making their homes more sustainable.
Contributing to information and education aimed at improving financial literacy, fostering opportunities for sustainability, and increasing access to climate adaptation measures among our customers.
Minimizing greenhouse gas emissions, both from consumers and our own operations.

These three themes align with SDG 10 (Reducing Inequalities), SDG 11 (Sustainable Cities and Communities), and SDG 13 (Climate Action). The strategy of Achmea Mortgages has been translated into specific fund or mandate strategies for each product, based on the United Nations Sustainable Development Goals.