The EEM NL Hub consists of 22 members and 19 affiliated members, representing over 90% of the mortgage originators in the Netherlands and many more institutions active in the Dutch mortgage market. The Dutch mortgage market is the 3rd largest residential mortgage market in the EU. The below observations all relate to the CDA from the perspective of financing residential real estate - section 7.
EEM
Energy Efficient Mortgages Hub - Netherlands
Industry association · Netherlands · EU Transparency Register 078205845652-05
4
positions filed
in the 665 files tracked
4
legislative files
of 665 tracked
3
with a full position paper
attached to a submission
Counts here are a floor, never a total: they cover the 665 consultation files tracked so far (57,774 submissions, mostly 2021–26), so an organization's real filing history is larger, not smaller.
Who they are
Among the 1518 trade and business associations on this site, they rank #749 by legislative files engaged, a count of participation, not a measure of influence.
2
declared lobbying FTE
self-declared
€300K+
declared costs / yr (floor)
0
EP accreditations
as declared to the register
2022
in the register since
Declares membership of
- European Covered Bond Council
- European Mortgage Federation
- Energy Efficient Mortgage Initiative
- Dutch Securitisation Association →
- Dutch Green Building Council →
- Dutch Assocation of Covered Bonds Issuers
- Nederlandse Vereniging van Banken
- Verbond van Verzekeraars
- European Energy Efficiency Financing Coalition
Self-declared to the EU Transparency Register (snapshot 14 Oct 2026).
- Register category
- Trade and business associations
- Head office
- Amsterdam, Netherlands
Self-declared to the EU Transparency Register (snapshot 14 Oct 2026); cost bands are floors, not audited totals. Reused under Commission Decision 2011/833/EU.
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Their record over time
Energy Efficient Mortgages Hub - Netherlands filed 4 positions between 30 Mar 2022 and 13 Apr 2026, across 4 of the 665 legislative files tracked here, attaching a full position paper 3 times.
2022 · 1 filed2024 · 1 filed2025 · 1 filed2026 · 1 filed
What they argued
On behalf of Energy Efficient Mortgages Netherlands Hub: • Alignment with EU Tax. Climate Delegated Act: The EU Taxonomy does not promote renovations of buildings, but incentives the financing fraction that covers the economic activity of renovation (7.2) or individual measures (7.3 – 7.6). Therefore, the Climate Delegate Act will not incentive renovations evenly (across the EPC / PED distribution).
EEM NL Hub has been analysing Section 7 of the Taxonomy since its start. We have been advocating a simplification of the TSC to create a more workable version of the EUT, one that is aligned with reality and criteria that can be applied in financial products that reward homeowners for energy efficiency renovations.
In the Netherlands, various financing options support energy-efficient renovations, especially during property transactions. Key frameworks such as the Energy-Saving Budget (EBB), Energy-Saving Measures (EBV), specialised mortgage products, and government subsidies facilitate access to financing aimed at improving Energy Performance Certificate (EPC) ratings, promoting energy efficiency upgrades.
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Turns up on the same files
Organizations that also filed on at least two of the same consultations. A shared interest in the same dossiers, not evidence of coordination, and we do not suggest any.
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Quotes are verbatim from submissions published by the European Commission, trimmed to their opening passage and never summarized by a model. Organizations only, never individuals. Reused under Commission Decision 2011/833/EU; the European Commission is not liable for this reuse.