Gated Multimodal Learning for Interpretable Property Energy Performance Prediction and Retrofit Scenario Analysis

Achieving resilient and sustainable cities requires scalable approaches to decarbonising residential buildings, which account for about 20% of UK greenhouse gas emissions and 25% of energy-related emissions in the European Union. Energy Performance Certificates (EPCs) support regulation and retrofit planning, but their reliance on on-site inspections limits timely city-scale assessment. This study introduces a gated multimodal model to predict Standard Assessment Procedure (SAP) energy efficiency and Environmental Impact (EI) scores by integrating EPC tabular variables, assessor-written free text, and Geographic Information System (GIS)-derived spatial features describing footprint geometry, height, area, and orientation. Sample-wise gating learns property-specific modality weights, while an auxiliary band classification head stabilises training. In a Westminster, London case study, the model predicts SAP and EI scores with MAEs of 4.03 and 4.76 points and R2 values of 0.757 and 0.748, respectively, achieving a mean MAE of 4.39. Ablation results show that full multimodal fusion outperforms unimodal and bimodal baselines for both score prediction and band-level classification. Interpretability analyses provide decision-relevant evidence: gating weights indicate strong reliance on assessor text; SHAP highlights main fuel, built form, and construction age band; text occlusion prioritises roof and wall fields; and spatial attribution is dominated by height and footprint area, with sensitivity to footprint shape. The validated framework is further applied to retrofit scenarios for wall insulation, roof insulation, and window glazing upgrades, indicating projected improvements in SAP, EI, annual energy cost, and equivalent CO2 emissions. Overall, the framework provides scalable property-level evidence for retrofit screening, intervention prioritisation, and net-zero housing transitions.