About us

Established in 1967, the European Mortgage Federation (EMF) is the voice of the European mortgage industry on the retail side of the business, representing the interests of mortgage lenders at European level.
The overarching aim of the EMF is to ensure a sustainable housing environment for European Union (EU) citizens. To this end, we are the key talking partner of the European Commission, the European Parliament, the Council of the EU, the European Banking Authority, the European Central Bank and the Basel Committee on Banking Supervision on all mortgage industry-related questions.

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Members

The European Mortgage Federation brings together associations of and individual mortgage lenders from across Europe.

Currently, the EMF has 17 members across 14 EU Member States as well as a number of observer members.

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Market initiatives

European Secured Note

In the context of the Capital Markets Union debate, the EMF-ECBC has analysed the potential for the creation of a new financial instrument in the European Union, the European Secured Note (ESN), that could benefit from the market best practices of both traditional covered bonds and securitisation.

EMF-ECBC Energy Efficient Mortgages Initiative

In September 2016, the EMF-ECBC launched a ground-breaking mortgage financing initiative to support energy efficient improvements to the European building stock.

ECBC

COVERED BOND LABEL

The Covered Bond Label increases transparency in the covered bond market and improves access to information for investors, regulators and other market participants.

Mortgage Consumer Guide

yourmortgage.eu - The Guide is intended in particular to provide a clear and transparent overview of the different steps involved in taking out and repaying a mortgage loan and to deliver an easy to understand explanation of the rules in place at EU level.


Press releases

Alpha Bank joins Covered Bond Label as first Greek issuer

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EMF Publishes Quarterly Review – Q3 2017

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TAO Solutions of Canada joins ECBC – ECBC Strengthens its Global Membership ahead of Plenary Meeting in Vancouver in April

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Publications

News

News, market insights and updates from the EMF-ECBC covering the latest regulatory developments with direct or indirect impact on mortgage credit and covered bonds.

Quarterly reviews

In light of mounting political uncertainty both within and outside Europe, the third quarter of 2016 has provided an aggregate housing and mortgage market picture which is in line with the previous quarters. In the EU house prices continued their upwards trend, on an aggregate level,…

EMF Hypostat

Hypostat is the European Mortgage Federations’ annual statistical report, encompassing data on recent developments in housing and mortgage markets in the EU28 and beyond.

ECBC Fact Book & Statistics

The ECBC Covered Bond Fact Book is a comprehensive source of information on the covered bond asset class. The latest edition of the Fact Book includes detailed explanations on the legislation and markets for covered bonds in 37 countries as well as articles on key trends and market developments.

Events

18 Apr 2018

27th ECBC Plenary Meeting – Vancouver, Canada

The 27th ECBC Plenary Meeting and its related events will take place at the Marriott Pinnacle Downtown Hotel in Vancouver, Canada between…

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