Highlights • An innovative retrofit Motivation-Objective-Criteria (MOC) approach integrating homeowners’ engagement is proposed in this paper. • Retrofit motivations are categorised into three typical types: 1) Self-living, 2) Rental or sale, and 3) Investment. • A novel Multi-motivation Performance Factor (MPF) concept is proposed to assess the holistic post-retrofit building performance with comprehensive retrofit combinations. • Homeowners’ retrofit priorities have an apparent influence on selecting optimised retrofit measures. • This decision-making supporting tool accelerate building retrofit user acceptance and market penetration

Abstract According to the EU Commission projection (2016/547/EU), the current average renovation rate is far below the expected rate of 3% to achieve carbon neutrality in building sectors by 2050. This is due to the fact that, during the building retrofit optimisation process, the decision-making criteria and objectives are generally optimised separately, and homeowners' motivations are often ignored or not carefully defined in most research. Limitations existed with a lack of in-depth and comprehensive understanding of the homeowners’ motivations in undertaking building retrofit. To address this, we propose an inclusive Motivation-Objective-Criteria (MOC) approach, aiming to bring forward optimised decision-making for building renovation, accommodating different homeowners’ retrofit motivations, objectives and criteria. Retrofit motivations are categorised into three typical types: 1) Self-living, 2) Rental or sale, and 3) Investment, under five objectives: Energy Reduction Rate (ERR), Initial Investment (II), Discounted Payback Period (DPP), Bills Reduction Rate (BRR) and Carbon Reduction Rate (CRR). A novel Multi-motivation Performance Factor (MPF) concept is proposed to assess the holistic post-retrofit building performance with comprehensive retrofit combinations. A UK semi-detached house is applied as the reference building to investigate the impact of homeowners’ engagement on the decision-making of various retrofit measures. According to the cost-optimal results neglecting homeowners’ motivation, it is evident that the mismatch of optimal retrofit combinations occurs between the minimum Initial Investment (II) and Discounted Payback Periods (DPP), with optimal ERR of 72%-79% and 82%-93%, respectively. Comparing cost-optimal with multi-objective optimisation results, it is concluded that homeowners’ retrofit priorities have an apparent influence on selecting optimised retrofit measures. Besides, party wall insulation is fundamental for self-living- and rental or sale-motivated types. The solar-assisted heat pump and air–water heat pump are not necessary under the retrofit motivation of the “investment” type. Moreover, the attic floor and external wall insulation are imperative for rental or sale- and investment-motivated types. The sensitivity analysis results are conducted in this research, indicating that the optimal retrofit measures and baseline energy consumption input are in good agreement, with a 10% discrepancy. Thus, the proposed inclusive Motivation-Objective-Criteria approach can incorporate homeowners’ engagement in the building retrofitting design process, serving as a decision-making supporting tool to accelerate building retrofit with maximised user acceptance and market penetration.