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.