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 16 members across 13 EU Member States as well as a number of observer members.

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Market initiatives

Covered Bond Directive: Implementation

The EMF-ECBC has sought to take a lead in providing the Industry with a dedicated arena in which market participants are able to access relevant information and share views and experiences, as well as best practices, in seeking to implement the provisions of the Covered Bond Directive and related Regulation.

EEMI Bauhaus

The EEMI Bauhaus seeks to stimulate and facilitate cross-sectoral brainstorming on the design of a new Industry value chain, bringing together digitalisation and sustainability in support of the development of Energy Efficient Mortgages (EEM).

COVID-19: EMF-ECBC Response

In the context of the ongoing COVID-19 outbreak, the Mortgage and Covered Bond Industries are strongly committed to act in the interests of consumers, lenders and investors to help stimulate socio-economic recovery and secure financial stability.

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.


Press releases

Newly established covered bond programme from KEB Hana Bank joins the Covered Bond Label as third issuer from South Korea

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HYPOSTAT 2020: Analysis of Latest developments on European Housing & Mortgage Market

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EMF Publishes Quarterly Review Q2 2020

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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 EU27 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