Market initiatives

Mortgage Consumer Guide


Taking out a mortgage loan is likely to be one of the most important financial decisions you will ever make in your life. Understanding the process, being clear on your rights and obligations and having the right information are vital to help you make the best decision for you. With this in mind and with a view to promoting a better understanding of mortgage credit and reinforcing consumer confidence, the European Mortgage Federation (EMF) has created an on-line Mortgage Guide for Consumers.

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 in the EU and to deliver an easy to understand explanation of the rules in place at EU level, which harmonise the main existing national rules in the area of mortgage credit, designed to protect you when you take out a mortgage loan.

The Mortgage Consumer Guide can be accessed online at: – EMF-ECBC Mortgage Guide for Consumers

Infographic – Benefits of EU Mortgage & Housing Markets

EMF-ECBC Infographic – Benefits of Mortgage and Housing Markets