Funding the hope for
a
future
Together, we can help reduce climate change risks, reinforce financial stability and ensure more sustainable housing for all..
5TH EEMI Sustainability &
Digitalisation Pavilion
ATHENS, GREECE | 30 APRIL 2025
Mortgage loans in Europe are equivalent to around 46% of the European Union’s GDP. Facilitating the transition to Green Mortgages is crucial to the realisation of a climate-neutral economy. Likewise, consumer expectations and financial sector best practices must meet. The mortgage industry is an essential player in efforts to tackle climate change through its funding of the home renovation programmes needed to improve the energy performance of the EU’s building stock. Since its inception in 2015, the EU Horizon 2020 funded Energy Efficient Mortgages Initiative (EEMI) has been the catalyst for the growth of a new, integrated, multi-stakeholder energy efficient mortgage ecosystem. The EEMI seeks to introduce a greener, more sustainability focused means of buying, renovating and living in our homes.
Home Ecosystem
The Energy Efficient Mortgages Initiative at a glance
❯ 1
Creating a ‘virtuous circle’
❯ 2
Making the business case
Dedicated to empirical evidence gathering
Commission President Ursula Von der Leyen
Commissioner Mairead McGuinness
EEMI Stakeholders
A key element of the long-term success of the EEM product and ecosystem is clear data evidence from reliable sources. The ability to provide such information to the market strengthens the value and importance of energy efficiency, and significantly contributes to improving and sustaining the demand for energy efficient buildings and mortgages.
Based on the original EEM definition, the EEM Label provides access to relevant, timely and transparent information on banks’ loan portfolios through the Harmonised Disclosure Template (HDT). The Label is a quality benchmark which supports confidence in EEM, catalyses consumer demand, drives enhanced asset quality and facilitates investor due diligence.
Finally, the EEM Label is designed to keep pace with legal and market best practices, and is therefore a global reference from the perspective of banks and institutional investors, drawing on the example of the Covered Bond Label.
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The project DeliverEEM has received funding from the European Union’s LIFE 2023 programme under grant agreement No.101167431. The EeMAP, EeDaPP, EeMMIP projects have received funding from the European Union’s Horizon 2020 research and innovation programme under grant agreements No. 746205, No. 784979 and No. 894117 respectively