Green Finance is an important and developing trend that is increasing investments into environmentally and socially responsible projects while reducing financial risk to those lending for those projects. This concept creates a tremendous opportunity to positively transform the health and environmental performance, quality, comfort and financial viability of Europe’s new and existing housing stock.

SMARTER Finance for Families is a Horizon 2020 project to implement ambitious yet practical Green Homes & Green Mortgage programs in 12 European countries that includes the collaboration and participation of 17 expert green building, green energy, research and other organizations.


The project has received funding from the European Union’s Horizon 2020 research and innovation programme under Grant Agreement No. 847141.


The project uses comprehensive Green Homes certifications to assess and recognize top performing residential projects incorporating sustainable construction principles.  Evidence from financial and technical modeling have proven that investing in energy efficiency and other green building attributes for homes

  • Improves housing quality
  • Reduces the total monthly cost of ownership for the homeowner
  • Increases sales prices for the project developer/investor and substantially
  • Reduces substantial financial risk for the bank offering the mortgage on the home

The existing program includes over 25 projects representing 6.500 housing units certified or in process.


Maria Elena Ghelardi

Support files

 Energy Efficiency of Buildings in Italy

07 feb 2020

Le nuove guide di SMARTER Finance For Families

I rischi associati al cambiamento climatico stanno sempre più influenzando l’approccio del costruire e della finanza mondiale. Nei prossimi anni la legislazione europea incrementerà progressivamente le performance di sostenibilità minime richieste agli immobili...

14 mag 2019

Parte il progetto: SMARTER Finance for Families

SMARTER Finance for Families: enhancing  the well being of Europe's citizens by providing opportunities for the finance and construction industry to create Green Homes.

Green Finance is an important and developing trend that is increasing inve...

27 set 2021

Progetto SMARTER | Webinar 30 settembre

Giovedì 30 settembre si terrà il webinar "The Building Blocks of Residential Green Finance", che indagherà e approfondirà la logica, la metodologia e i risultati iniziali dell'attuazione di un programma di green finance residenziale internazionale...

Green Homes certified by GBC Italia

GBC Italia has developed, in partnership with our SMARTER Finance for Families partners, a low cost but comprehensive Green Homes certification to assess and recognize the top performing residential projects utilizing sustainable construction principles. The information below includes detailed explanations of the program, the criteria, the benefits and the costs, as well as a selection of projects both certified and those seeking certification within the program.

 Information for Residential Investors/Developers ITA | Download here

 Information for Financial Institutions ITA | Download here

 Information for Home Owner ITA | Download here

 Examples of Green Homes Projects | View here