This guideline outlines elements of good advisory practice as described by the AFM. It serves as an example of how an advisor can meet the legal requirements for providing suitable advice. This is a market consultation aimed at improving the guideline using insights from the Dutch mortgage market.

This document examines sustainability progress in the built environment, emphasizing the need for collaboration among residents, market parties, municipalities, corporations, and the national government to meet sustainability goals. Progress is stagnating, with new construction in 2024 lower than previous years due to economic conditions, capacity issues, and regulations. There has been only a limited increase in the percentage of natural gas-free homes. Energy prices remain

Over the past weeks, EEM HUB NL has contributed to the European Commission’s consultation on the “Energy-efficient buildings – portfolio framework to increase lending for renovations (delegated act)”. In our response, we focused on questions 12–25, reflecting the perspective of Dutch mortgage lenders and other financial institutions. Our input highlights, among others: - The current limitations in data availability and quality (e.g. reliance on EPC/EP-Online and the lack of a