About the EMF

The European Mortgage Federation (EMF) is the voice of the European mortgage industry. It represents the interests of mortgage lenders at European level and promotes a sound, transparent and efficient housing finance market.

Founded in [1967], the EMF brings together [number] members from [number] countries, including national banking associations and lending institutions.

The EMF Valuation Study maps how property is valued for lending purposes across Europe: the legal frameworks, the valuers, the link with capital requirements and covered bonds, and the impact of technology and ESG.

The EMF Valuation Study Database makes the national contributions to the study available to all stakeholders, so that practices can be explored, compared and discussed.