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Greenwashing is the act of distributing false information about something being more environmentally friendly than it actually is.

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Tackling the Cost of Living Crisis

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In the first video of this two-part video series, Elisa introduces us to sustainability. She begins by looking at the difference between sustainability and corporate social responsibility, two terms that can be easily confused.

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Banking Essentials - Part I

This pathway will walk us through the basics of banks, starting with some of the different types and their main functions, then starting to look at the regulation faced by the banks, both before and after the Global Financial Crisis.

Greenwashing

Greenwashing is the act of distributing false information about something being more environmentally friendly than it actually is.

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Tackling the Cost of Living Crisis

In this video, Max discusses the cost-of-living crisis currently enveloping the UK. He examines its impact on households as well as the overall economy.

CSR and Sustainability in Financial Services

In the first video of this two-part video series, Elisa introduces us to sustainability. She begins by looking at the difference between sustainability and corporate social responsibility, two terms that can be easily confused.

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Green Mortgages in Practice (June 2022)

Green Mortgages in Practice (June 2022)

Luca Bertalot

Secretary General: The European Mortgage Federation

In the final video of this four-part video series, Luca illustrates the new products that are becoming available in the UK and the EU.

In the final video of this four-part video series, Luca illustrates the new products that are becoming available in the UK and the EU.

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Green Mortgages in Practice (June 2022)

5 mins 7 secs

Key learning objectives:

  • Identify some of the new green mortgage products being offered in the EU and UK

  • Understand the benefit of the green mortgage products

Overview:

Now that we have established why we need energy efficient mortgages and what they are and can be used for, it’s worth spending time looking at some of the existing products. Unfortunately, the progress in the market to date has shown limited consumer demand and the products offered have been of questionable value.

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Summary

What products are currently available in the EU?

Rabobank: 

To qualify for the green mortgage, the property must have be Energy Performance Coefficient of 0.26 to borrow up to €100,000 or a value of 0 to borrow up to €150,000

Nordea: 

Offer green mortgages with lower rates than their traditional counterparts. This is to reward borrowers for spending borrowed funds on projects that protect the environment. Can be used for installing solar panels, replacing inefficient windows, adding insulation or installing an environmentally friendly heating system. 

What green products are currently available in the UK?

Barclays: 

First UK bank to offer green mortgages. If the home has an energy efficiency rating of 81 or above, or is an energy efficiency band A or B, you could get lower rates. 

Danske Bank:

Offer a carbon neutral mortgage. The bank calculated that they had a carbon footprint of 96kgCO2e per mortgage. To qualify for this product, homes must have an EPC rating of A-C, customers will then receive up to £2,000 cash back once approved.

 

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Luca Bertalot

Luca Bertalot

Luca Bertalot is Secretary General of the European Mortgage Federation - European Covered Bond Council (EMF-ECBC), a market platform supporting market participants on all issues relating to the retail and funding sides of the mortgage business. Luca joined the EMF-ECBC in 2006, becoming Head of the ECBC in 2007 and Secretary General in June 2014. Prior to this, he worked as a financial analyst at Fondazione Censis - Centre for Socio-Economic Studies and Policies, Gentiloni Silveri & Partners Consulting, a law firm, and in the Italian Ministry of Foreign Affairs. Luca also worked as a consultant in several World Bank’s missions on Housing and Capital Markets issues in Morocco, Brazil and South Africa. Luca holds a degree in Economics and Financial Markets from the University of Rome, Tor Vergata. He also studied at the University of Mannheim, Germany, and at the Wharton School - University of Pennsylvania, in the United States.

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