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The Science of Climate Change

Climate change is no longer a distant threat or just a possibility, it is now a reality for all of us. In this pathway, Kevin Trenberth, a renowned climatologist, delves into the science behind climate change. He first introduces the climate system, its main components and forces.

Tackling the Plastic Crisis

Plastic pollution is by far the biggest threat to our oceans and this remains an incredibly tough problem to solve. Plastic credits could potentially serve as one of the much needed solutions for this crisis.

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The Scale of the Net Zero Challenge

The price of meeting net zero is estimated to be between $100-150 trillion over the next 30 years. Regardless of this cost, we need to reach net zero before climate change does irreversible damage to the environment and the economy.

ESG, Sustainability and Impact Jargon Buster

ESG, sustainability, impact… they all just mean green, right? Not quite. Despite being used often interchangeably, there are distinct differences between these terms.

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Featured Pathways

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The Science of Climate Change

Climate change is no longer a distant threat or just a possibility, it is now a reality for all of us. In this pathway, Kevin Trenberth, a renowned climatologist, delves into the science behind climate change. He first introduces the climate system, its main components and forces.

Tackling the Plastic Crisis

Plastic pollution is by far the biggest threat to our oceans and this remains an incredibly tough problem to solve. Plastic credits could potentially serve as one of the much needed solutions for this crisis.

More pathways

Ready to get started?

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+1,000 expert presented, on-demand video modules

Learning analytics

Keep track of learning progress with our comprehensive data

Interactive learning

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Featured Content

More featured content

The Scale of the Net Zero Challenge

The price of meeting net zero is estimated to be between $100-150 trillion over the next 30 years. Regardless of this cost, we need to reach net zero before climate change does irreversible damage to the environment and the economy.

ESG, Sustainability and Impact Jargon Buster

ESG, sustainability, impact… they all just mean green, right? Not quite. Despite being used often interchangeably, there are distinct differences between these terms.

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Ready to get started?

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The Importance of Household Energy Efficiency

The Importance of Household Energy Efficiency

Luca Bertalot

Secretary General: The European Mortgage Federation

This first video of a four-part video series will look at what private finance can do to tackle climate change and what can be done to reduce rising energy costs around the world. Join Luca as he explains why there is a need for energy efficient mortgages (EEMs) and how they can help consumers and the environment, as well as some of the regulatory changes that have already been made in order to move things in the right direction.

This first video of a four-part video series will look at what private finance can do to tackle climate change and what can be done to reduce rising energy costs around the world. Join Luca as he explains why there is a need for energy efficient mortgages (EEMs) and how they can help consumers and the environment, as well as some of the regulatory changes that have already been made in order to move things in the right direction.

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The Importance of Household Energy Efficiency

5 mins 44 secs

Overview

Climate change is one of the most important issues facing our world today and represents one of the biggest challenges that we’ve ever had to face. One of the largest emitters of pollution is residential properties, making up almost 40% of Europe's emissions. Solving this issue is obviously a major step in the fight against climate change. However, retrofitting old energy inefficient housing is expensive. Public finance will not be enough, private finance is desperately needed.

Key learning objectives:

  • Identify how residential properties are contributing to climate change

  • Comprehend why there is a need for energy-efficient mortgages (EEMs)

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Summary

How do residential properties contribute to climate change? 

Residential properties make up almost a quarter (17-21%) of energy-related carbon emissions globally. In Europe housing makes up almost 40% of carbon emissions. A material part of the carbon footprint is related to residential housing. Heating residential properties consumes 63.6% of final energy consumption alone. 

The issue is the older stock of housing across Europe that has poor insulation and old windows that results in loss of heat. However, to green these homes, a substantial amount of financing is needed. This is where energy-efficient mortgages come in.

How would energy-efficient mortgages benefit consumers?

We are living in the midst of an energy crisis. There are many people worrying about the so-called ‘heat or eat’ dilemma. Any rise in the cost of living puts pressure on millions of European households. Today, energy is a major driver of inflation. It is putting pressure on price stability and housing costs. It makes sense to try and reduce energy costs and consumption as much as possible. An effective energy retrofit, using borrowed money from an energy-efficient mortgage, could bring major savings for households, by reducing energy bills up to 70 and 80% in some cases. This is an opportunity to enhance the return on investment on the most important investment of our life, our homes. At the same time, it would offer a better quality of living and opportunities for the next generation.

 

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Luca Bertalot

Luca Bertalot

Luca Bertalot is Secretary General of the European Mortgage Federation - European Covered Bond Council (EMF-ECBC), a market platform supporting market participants on all issues relating to the retail and funding sides of the mortgage business. Luca joined the EMF-ECBC in 2006, becoming Head of the ECBC in 2007 and Secretary General in June 2014. Prior to this, he worked as a financial analyst at Fondazione Censis - Centre for Socio-Economic Studies and Policies, Gentiloni Silveri & Partners Consulting, a law firm, and in the Italian Ministry of Foreign Affairs. Luca also worked as a consultant in several World Bank’s missions on Housing and Capital Markets issues in Morocco, Brazil and South Africa. Luca holds a degree in Economics and Financial Markets from the University of Rome, Tor Vergata. He also studied at the University of Mannheim, Germany, and at the Wharton School - University of Pennsylvania, in the United States.

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