Full membership is open to associations, groups and organisations which are either licensed or represent credit institutions licensed in the European Union (EU), the European Economic Area (EEA) or in a country that is in accession negotiations with the European Union.

To see the detailed list of the members click here

Click here for further details on eligibility criteria for Full Members.

Full members

EMF Observer membership is open to associations and institutions which do not qualify for Full membership.

See here for further details on eligibility criteria for Observer Members.

Observer members

Become a member

Membership Categories

The EMF offers two different categories of membership, which are determined by both the nature of the applicant’s business and their nation’s status vis-à- vis the European Union. The two categories of membership are as follows:

Full Membership

Each Full membership is open to the associations, groups and organisations listed below and which are either licensed (credit institutions) or represent credit institutions (associations) licensed in the European Union (EU), the European Economic Area (EEA) or in a country that is in accession negotiations with the European Union:

  • a)

    Professional associations of private, public or semi-public institutions habitually carrying out the activity of mortgage credit lending.

  • b)

    Private, public or semi-public institutions habitually carrying out the activity of mortgage credit lending.

  • c)

    Private, public or semi-public institutions exclusively or habitually carrying out the activity of funding institutions identified under b) above.

  • d)

    Groups of associations of institutions exclusively or habitually carrying out the activity of mortgage credit lending.

Observer Membership

Observer Membership of the EMF is open to the following groups/institutions:

  • a)

    Non-banking associations.

  • b)

    Banking associations based outside of the EEA.

  • c)

    Credit institutions/mortgage lenders based outside of the EEA.

  • d)

    Professional institutions with an interest in the mortgage business.

Note: Banking associations, mortgage lenders and credit institutions based inside the EEA are not entitled to be EMF Observer Members; they can only apply for EMF Full Membership.


Benefits of Full Membership:

  • 01

    Appoint a delegate to the General Assembly

  • 02

    Nominate candidates for membership of the Executive Committee

  • 03

    Appoint experts to EMF technical committees

  • 04

    Contribute to EMF Position Papers, Responses, Studies and other lobbying activities

  • 05

    Access to EMF Roundtables and discounted rates for EMF fee-paying events

  • 06

    Regular updates and communications from the Secretariat

  • 07

    Access to weekly information reports on mortgage market related developments in the EU Institutions

  • 08

    Opportunity to contribute articles to the monthly newsletter

  • 09

    Opportunity to promote events via the EMF website

  • 10

    Opportunity to host and/or sponsor EMF events

  • 11

    Member Hot Desk and meeting room facilities in Brussels

Benefits of Observer Membership:

  • 01

    Be invited to participate in the work/meetings of EMF technical committees as guests

  • 02

    Be invited to attend EMF Roundtables

  • 03

    Discounted rates for EMF fee-paying events

  • 04

    Access to weekly information reports on mortgage market related developments in the EU Institutions

  • 05

    Ad hoc updates and communications from the Secretariat

  • 06

    Opportunity to contribute articles to the monthly newsletter

  • 07

    Opportunity to promote events via the EMF website

  • 08

    Opportunity to host and/or sponsor EMF events

  • 09

    Member Hot Desk and meeting room facilities in Brussels

QUESTIONS ABOUT EMF MEMBERSHIP?

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