diff --git a/CONTEXT.md b/CONTEXT.md
index 67fb95d9..baedf2f9 100644
--- a/CONTEXT.md
+++ b/CONTEXT.md
@@ -216,7 +216,7 @@ One mutually-exclusive way to satisfy a **Recommendation** — possibly a **bund
 _Avoid_: option (too generic), variant, SKU
 
 **Simulation Overlay** (type `EpcSimulation`):
-The change a single **Measure Option** makes to a Property's EpcPropertyData, expressed as an all-optional partial mirror of EpcPropertyData and its nested types — covering only the retrofit-relevant surface (walls/roofs/floors, windows, heating + controls, hot water, ventilation, lighting, PV, draughtproofing), never identity/location fields. Targets a specific building part by `BuildingPartIdentifier` (MAIN, EXTENSION_1..4) so "insulate the cavity wall" addresses the exact `SapBuildingPart`. Carries no scores. It is **not** an EpcPropertyData (composition, not inheritance — an all-`None` overlay is not a valid EPC). A domain operation folds a baseline EpcPropertyData + an ordered set of Overlays into a throwaway EpcPropertyData handed to the calculator; only the score is kept, the EPD is discarded.
+The change a single **Measure Option** makes to a Property's EpcPropertyData, expressed as an all-optional partial mirror of EpcPropertyData and its nested types — covering only the retrofit-relevant surface (walls/roofs/floors, windows, heating + controls, hot water, ventilation, lighting, PV, draughtproofing), never identity/location fields. Targets a specific building part by `BuildingPartIdentifier` (MAIN, EXTENSION_1..4) so "insulate the cavity wall" addresses the exact `SapBuildingPart`; targets a specific **window by its index** in `sap_windows` (the PDF's W1/W2/W3) — glazing measures address windows directly by number, regardless of which wall they sit on; the window's building-part association is carried separately via `window_location` (resolved by `_window_bp_index`), not used for targeting; and targets whole-dwelling systems (e.g. `sap_heating`) directly. Carries no scores. It is **not** an EpcPropertyData (composition, not inheritance — an all-`None` overlay is not a valid EPC). A domain operation folds a baseline EpcPropertyData + an ordered set of Overlays into a throwaway EpcPropertyData handed to the calculator; only the score is kept, the EPD is discarded.
 _Avoid_: simulation config (the legacy EPC-API flag object), patch, delta, diff
 
 **Product**:
diff --git a/domain/modelling/contingencies.py b/domain/modelling/contingencies.py
new file mode 100644
index 00000000..f036b786
--- /dev/null
+++ b/domain/modelling/contingencies.py
@@ -0,0 +1,21 @@
+"""Per-Measure-Type contingency rates.
+
+The one cost component carried separately from a Product's fully-loaded total
+(CONTEXT.md). Mirrors the legacy `recommendations/Costs.py::Costs.CONTINGENCIES`;
+extended as each measure type lands.
+"""
+
+_CONTINGENCY_RATES: dict[str, float] = {
+    "cavity_wall_insulation": 0.10,
+}
+
+
+def contingency_rate(measure_type: str) -> float:
+    """Return the contingency rate for a Measure Type, raising if unknown
+    (strict — do not silently default, per the repo's strict-raise convention)."""
+    try:
+        return _CONTINGENCY_RATES[measure_type]
+    except KeyError as exc:
+        raise ValueError(
+            f"no contingency rate configured for measure type {measure_type!r}"
+        ) from exc
diff --git a/domain/modelling/product.py b/domain/modelling/product.py
new file mode 100644
index 00000000..fe5c78f3
--- /dev/null
+++ b/domain/modelling/product.py
@@ -0,0 +1,16 @@
+"""Product — a catalogue entry a Measure Option installs.
+
+Carries the data needed to price an Option: a fully-loaded unit cost and the
+per-Measure-Type contingency rate carried alongside it (CONTEXT.md). The
+catalogue is equipment-dominated (heat pumps, glazing, PV) — hence "Product",
+not "material". Read via a `ProductRepository`.
+"""
+
+from dataclasses import dataclass
+
+
+@dataclass(frozen=True)
+class Product:
+    measure_type: str
+    unit_cost_per_m2: float
+    contingency_rate: float
diff --git a/infrastructure/postgres/product_table.py b/infrastructure/postgres/product_table.py
new file mode 100644
index 00000000..b353b300
--- /dev/null
+++ b/infrastructure/postgres/product_table.py
@@ -0,0 +1,24 @@
+from __future__ import annotations
+
+from typing import ClassVar, Optional
+
+from sqlmodel import Field, SQLModel
+
+
+class MaterialRow(SQLModel, table=True):
+    """Defensive view of the externally-owned ``material`` catalogue table.
+
+    Declares only the columns the modelling backend reads to price a Measure
+    Option; other columns (r-values, labour breakdowns, etc.) are left off so
+    schema churn elsewhere doesn't ripple in. `total_cost` is the fully-loaded
+    cost per the row's `cost_unit` (GBP/m^2 for fabric measures).
+    """
+
+    __tablename__: ClassVar[str] = "material"  # pyright: ignore[reportIncompatibleVariableOverride]
+
+    id: int = Field(primary_key=True)
+    type: str
+    total_cost: Optional[float] = Field(default=None)
+    cost_unit: Optional[str] = Field(default=None)
+    description: Optional[str] = Field(default=None)
+    is_active: bool = Field(default=True)
diff --git a/repositories/product/__init__.py b/repositories/product/__init__.py
new file mode 100644
index 00000000..e69de29b
diff --git a/repositories/product/product_postgres_repository.py b/repositories/product/product_postgres_repository.py
new file mode 100644
index 00000000..13926885
--- /dev/null
+++ b/repositories/product/product_postgres_repository.py
@@ -0,0 +1,34 @@
+from __future__ import annotations
+
+from sqlmodel import Session, col, select
+
+from domain.modelling.contingencies import contingency_rate
+from domain.modelling.product import Product
+from infrastructure.postgres.product_table import MaterialRow
+from repositories.product.product_repository import ProductRepository
+
+
+class ProductPostgresRepository(ProductRepository):
+    """Reads the ``material`` catalogue table and maps an active row to a
+    Product: `total_cost` becomes the fully-loaded `unit_cost_per_m2`, and the
+    per-Measure-Type contingency is joined from config."""
+
+    def __init__(self, session: Session) -> None:
+        self._session = session
+
+    def get(self, measure_type: str) -> Product:
+        row: MaterialRow | None = self._session.exec(
+            select(MaterialRow).where(
+                col(MaterialRow.type) == measure_type,
+                col(MaterialRow.is_active).is_(True),
+            )
+        ).first()
+        if row is None:
+            raise ValueError(f"no active product for measure type {measure_type!r}")
+        if row.total_cost is None:
+            raise ValueError(f"product {measure_type!r} has no total_cost")
+        return Product(
+            measure_type=measure_type,
+            unit_cost_per_m2=row.total_cost,
+            contingency_rate=contingency_rate(measure_type),
+        )
diff --git a/repositories/product/product_repository.py b/repositories/product/product_repository.py
new file mode 100644
index 00000000..eab7b202
--- /dev/null
+++ b/repositories/product/product_repository.py
@@ -0,0 +1,18 @@
+from __future__ import annotations
+
+from abc import ABC, abstractmethod
+
+from domain.modelling.product import Product
+
+
+class ProductRepository(ABC):
+    """Loads Products from the catalogue, abstracting the data source (a
+    Postgres-backed materials table today; a JSON file for costs the ETL does
+    not yet supply, behind the same port later). Maps the raw source row into
+    the `Product` domain object, joining the per-Measure-Type contingency."""
+
+    @abstractmethod
+    def get(self, measure_type: str) -> Product:
+        """Return the Product for a Measure Type, raising if there is no active
+        catalogue entry."""
+        ...
diff --git a/tests/repositories/product/__init__.py b/tests/repositories/product/__init__.py
new file mode 100644
index 00000000..e69de29b
diff --git a/tests/repositories/product/test_product_postgres_repository.py b/tests/repositories/product/test_product_postgres_repository.py
new file mode 100644
index 00000000..13293ea6
--- /dev/null
+++ b/tests/repositories/product/test_product_postgres_repository.py
@@ -0,0 +1,63 @@
+"""Behaviour of the Postgres-backed ProductRepository: mapping a row of the
+materials catalogue into a Product, with the per-measure-type contingency
+joined on. See CONTEXT.md (Product, Cost, Contingency)."""
+
+import pytest
+from sqlalchemy import Engine
+from sqlmodel import Session
+
+from infrastructure.postgres.product_table import MaterialRow
+from repositories.product.product_postgres_repository import (
+    ProductPostgresRepository,
+)
+from domain.modelling.product import Product
+
+
+def test_get_maps_active_material_to_product_with_contingency(
+    db_engine: Engine,
+) -> None:
+    # Arrange
+    with Session(db_engine) as session:
+        session.add(
+            MaterialRow(
+                id=1,
+                type="cavity_wall_insulation",
+                total_cost=18.5,  # fully-loaded GBP per m^2
+                cost_unit="gbp_per_m2",
+                is_active=True,
+                description="Cavity wall insulation",
+            )
+        )
+        session.commit()
+
+    # Act
+    with Session(db_engine) as session:
+        product: Product = ProductPostgresRepository(session).get(
+            "cavity_wall_insulation"
+        )
+
+    # Assert
+    assert product.measure_type == "cavity_wall_insulation"
+    assert abs(product.unit_cost_per_m2 - 18.5) <= 1e-9
+    assert abs(product.contingency_rate - 0.10) <= 1e-9
+
+
+def test_get_raises_when_only_an_inactive_product_exists(db_engine: Engine) -> None:
+    # Arrange
+    with Session(db_engine) as session:
+        session.add(
+            MaterialRow(
+                id=1,
+                type="cavity_wall_insulation",
+                total_cost=18.5,
+                cost_unit="gbp_per_m2",
+                is_active=False,
+                description="Cavity wall insulation (retired)",
+            )
+        )
+        session.commit()
+
+    # Act / Assert
+    with Session(db_engine) as session:
+        with pytest.raises(ValueError):
+            ProductPostgresRepository(session).get("cavity_wall_insulation")