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.
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.See More
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.
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.
In September 2016, the EMF-ECBC launched a ground-breaking mortgage financing initiative to support energy efficient improvements to the European building stock.
The Covered Bond Label increases transparency in the covered bond market and improves access to information for investors, regulators and other market participants.
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.
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,…
Hypostat is the European Mortgage Federations’ annual statistical report, encompassing data on recent developments in housing and mortgage markets in the EU28 and beyond.
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.