Designing Green Mortgages to Address Energy Inefficiency and Energy Poverty

Sustainable Finance, Energy Transition, & Climate Policy

This project examines green mortgages as a financial instrument to improve residential energy efficiency while addressing energy poverty within the European housing market. Drawing on market analysis, consumer survey data, and sustainable finance frameworks aligned with the UN Sustainable Development Goals, it evaluates gaps in existing mortgage offerings and proposes a dual product model supporting both energy-efficient purchases and retrofit financing. Findings indicate that well-designed green mortgage products can reduce credit risk, lower household energy costs, and generate measurable environmental and social value while supporting bank balance sheet resilience.