SMARTER Finance for Families (SMARTER)

SMARTER Finance for Families: enhancing  the well being of Europe's citizens by providing opportunities for the finance and construction industry to create Green Homes.

Green Finance is an important and developing trend that is increasing investments into environmentally and socially responsible projects while reducing financial risk to those lending for those projects. This concept creates a tremendous opportunity to positively transform the health and environmental performance, quality, comfort and financial viability of Europe's new and existing
housing stock.

SMARTER Finance for Families is a Horizon 2020 project to implement ambitious yet practical Green Homes & Green Mortgage programs in 12 European countries that includes the collaboration and participation of 17 expert green building, green energy, research and other organizations.    Organizations from Belgium, Bosnia-Herzegovina, Bulgaria, Czech Republic, Denmark, Georgia, Greece, Ireland, Italy, Poland, Romania, Slovakia, Turkey and Ukraine are participating in this comprehensive project.

The project uses comprehensive Green Homes certifications to assess and recognize top performing residential projects incorporating sustainable construction principles.  Evidence from financial and technical modeling have proven that investing in energy efficiency and other green building attributes for homes:

  • Improves housing quality
  • Reduces the total monthly cost of ownership for the homeowner
  • Increases sales prices for the project developer/investor and substantially 
  • Reduces substantial financial risk for the bank offering the mortgage on the home 

The existing program includes over 44 projects representing 10.000 housing units certified or in process.





“Through the SMARTER Finance For Families project we bring an innovative and systemic solution to a systemic problem.   We are creating significant opportunities for the finance and building industry to deliver the green performance we need for Europe’s citizens and their homes.”
- Steven Borncamp, Project Director of the initiative

RELEVANT STAKEHOLDERS  In addition to improving citizens’ lives, the program addresses the needs of residential project developers, financial institutions offering residential mortgages, institutional investors and companies offering services, products, materials, technologies, and other solutions that contribute to the construction and operation of the greenest, most energy-efficient residential properties.
Representatives of national and local government and associations promoting the environment, energy efficiency, and/or better housing are invited to learn more about how this programme facilitates improved building standards. This is relevant both for those in the participating countries or anyone interested in learning about bringing this initiative to their home market.


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