Clean Energy Transition · Standard Action Project
SMARTER4EU
Launching new Taxonomy-aligned Green Homes & Green Mortgages programs in the EU - SMARTER Finance Improving Energy Security and Citizens' Health, Comfort and Financial Well-Being by Engaging Banks and Residential Investors and Developers
About the project
SMARTER4EU set out to launch new green finance programmes in the EU and candidate countries by creating operational, self-sustaining Green Homes and Green Mortgages programmes in Portugal, Spain and Ukraine. It built on the Horizon 2020 project SMARTER Finance for Families, which introduced such programmes in 12 European countries, and shared tools, training and guidance with Moldova, Georgia and Croatia to help them form their own bank partnerships. The project drew on the EU Taxonomy on Sustainable Activities, growing demand for green finance and central bank guidance on climate risk management. It aimed to show that the partners' green home certification systems, which already meet and exceed the Taxonomy's energy performance requirements, are fit to assess buildings for discounted green finance and to test the "Do No Significant Harm" requirement.
countries with new Green Homes and Green Mortgages programmes (PT, ES, UA)
countries covered by the predecessor project SMARTER Finance for Families
Ukrainian participation
Ukraine was one of the three countries where operational Green Homes and Green Mortgages programmes were to be created. The Ukrainian beneficiaries were the association “Energy Efficient Cities of Ukraine” and the European-Ukrainian Energy Agency.
| Organisation | Role | EU contribution |
|---|---|---|
| Association “European-Ukrainian Energy Agency” | Beneficiary | EU contribution: €89,786 |
| Association «Energy Efficient Cities of Ukraine» | Beneficiary | EU contribution: €63,256 |
Consortium
Coordinator
Asociatia Romania Green Building Council
Romania
Ukraine
- Association “European-Ukrainian Energy Agency”
- Association «Energy Efficient Cities of Ukraine»
- See “Ukrainian participation”
Country not specified
- Temple Media Limited
- Enersave Capital SARL
Ireland
- Irish Green Building Council CLG
Portugal
- ADENE – Agência para a Energia
Slovakia
- Nadacia Habitat for Humanity International
Spain
- Green Building Council España
Links
- Official project page (CINEA)webgate.ec.europa.eu(opens in a new tab)
- Project websitesmarterfinance4.eu(opens in a new tab)
- SMARTER Finance partnerssmarterfinance4.eu(opens in a new tab)
- Delivered resultssmarterfinance4.eu(opens in a new tab)
- Entry in the EU Energy Poverty Advisory Hub atlasenergy-poverty.ec.europa.eu(opens in a new tab)
Sources and verification
Data verified on 19 Oct 2026 against official sources: