Mortgages Covered - the EMF-ECBC's New Podcast Series

Welcome to the Mortgages Covered, the EMF-ECBC’s new podcast series. From housing affordability and sustainable finance to capital markets and covered bonds, “Mortgages Covered”, the EMF-ECBC’s new podcast series, brings together leading voices from across the housing and financial sectors. Each episode features expert discussions on the opportunities, challenges, and innovations shaping the future of housing finance in Europe and beyond. Whether you're a market professional, policymaker, researcher, or simply interested in the forces transforming housing and finance, this podcast offers valuable insights and perspectives.

Mortgages Covered - the EMF-ECBC's New Podcast Series is a business podcast hosted by EMF-ECBC, with 19 episodes on record and a Required Pod Score of 80. PitchCentric scores this show on Booking Probability, Listen Score, and live audience signals refreshed every 24 hours.

EMF-ECBC hosts Mortgages Covered - the EMF-ECBC's New Podcast Series, a business show with 19 episodes published.

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  Episode #19

  Inside the ECBC's Work on European Secured Notes with Stefano Patruno #19

  Sep 10, 202612 minS1

  In this episode of Mortgages Covered, Richard Kemmish, EMF-ECBC & ISMMA Consultant, is joined by Chair of the ECBC ESN Task Force and former ECBC Chairman, Stefano Patruno, to shed light on the work done by the ECBC to support the development and implementation of the ESN instrument. This episode of Mortgages Covered explores: The work undertaken by the ECBC ESN Task Force over the years to develop the foundations for an ESN market. The benefits of bringing together expertise and perspectives from multiple jurisdictions. The balance between the need for standardisation and the specific requirements of individual countries and markets. Future market developments and the role the ECBC can play in supporting the further development of ESNs.

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  Episode #18

  Behind the 2026 ECBC Covered Bond Fact Book: Data, Trends and Market Insights with Sascha Kulling & Joost Beaumont #18

  Sep 4, 202622 minS1

  In this episode of Mortgages Covered, Richard Kemmish, EMF-ECBC & ISMMA Consultant, is joined by Sasha Kullig from vdp and Joost Beaumont from ABN AMRO to discuss the latest edition of the ECBC Covered Bond Fact Book. This episode of Mortgages Covered explores: The key market and political themes which shaped the covered bond market in 2025: resilience, growth, globalisation and competitiveness. 2025 (and mid 2026) market statistics, including the most quoted figure in the whole Fact Book, market size at €3.34bn in 2025, marking another year of healthy growth The drivers of and dynamics behind this growth The move to an online-only Fact Book and the greater flexibility this provides. Expected market developments and key themes for the year ahead.

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  Episode #17

  From Regulation to Recovery: Key Insights from the 38th ECBC Plenary with Patrick Seifert #17

  Aug 27, 202621 minS1

  Building on the discussions from the latest ECBC Plenary Meeting in Stavanger, Richard Kemmish, EMF-ECBC & ISMMA Consultant, sits down with Patrick Seifert to examine the policy, regulatory, and economic issues shaping the future of housing finance and covered bond markets across Europe. This episode of Mortgages Covered explores: Regulatory complexity and its impact on funding choices and covered bond markets. Housing affordability as a policy priority and the role of mortgage guarantee schemes. The importance of European competitiveness, economic growth, and job creation. Guarantee schemes as a fiscally responsible tool to support lending without increasing public debt. EMF-ECBC’s support for the development of Ukraine’s covered bond framework and post-war recovery.

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  Episode #17

  Property Valuation and Climate Risk: Navigating the Future of Mortgage Assessment with vdpResearch #16

  Aug 20, 20268 minS1

  In this episode of Mortgages Covered, Richard Kemmish, EMF-ECBC & ISMMA Consultant, is joined by Meike Plötner and Sarah Reuter from vdpResearch, to discuss their work mortgage appraisal, energy efficiency assessment, and risk modelling for mortgage lenders. This Episode of Mortgages Covered explores: vdpResearch’s objective of providing effective solutions for its member banks. The practicalities of obtaining energy performance certificate. The use of existing data and property valuation expertise for successful estimation. The development of supplementary tools and services to support the assessment of climate-related risks. A risk-analysis tool designed to identify, calculate, and quantify exposure to natural hazards.

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  Episode #15

  Energy Efficiency in Practice: KPIs, Innovation and Building Decarbonisation in Europe with Onesto #15

  Aug 13, 20266 minS1

  In this episode of Mortgages Covered, Richard Kemmish, EMF-ECBC & ISMMA Consultant, is joined by Joris Piete of Onesto, to discuss the challenges and opportunities involved in improving the energy performance of less energy-efficient homes. This Episode of Mortgages Covered explores: Onesto’s 130-year commitment to supporting affordable home ownership through social mortgage lending. The challenges faced by lower-income households when purchasing and renovating homes. A one-stop-shop approach that combines mortgage financing with free energy and renovation advice. How energy renovations can improve EPC ratings while delivering significant energy and cost savings. The use of digital and AI-driven tools to support faster, more accurate renovation planning and cost estimation.

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