European Mortgage Federation: OVER 50 years of funding the real economy

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.

In pursuing our aim, we:

Provide data and information on European mortgage markets, which were worth over 8.9 trillion EUR at the end of 2022 (EU27 + UK, Norway and Iceland)

Encourage the exchange of information and best practices.

Provide up-to-the-minute specialist insight into legal, economic, funding and market-related developments;

Respond to the EU institutions’ consultations via specialised position papers; and

collate and publish in-depth studies and comprehensive EU-wide statistics.

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