The European Mortgage Federation is a product federation i.e. it represents a product, mortgage credit rather than a type of institution. In this capacity, the Federation promotes the interests of mortgage lenders at European level. To this end, it deals as much with the retail aspect of mortgage lending as with the funding of loans, an element, which is becoming increasingly important. The Federation brings together institutions with a special interest in the mortgage industry and the housing sector. These include mortgage banks, commercial banks, savings banks, co-operative banks, building societies, umbrella companies and insurance companies.

To achieve its goal(s), the Federation undertakes to:

1. study measures that could be adopted at European level to encourage mortgage lending and to disseminate this information for the benefit of its members both at European and national level;
2. advise EU institutions on all questions of interest to mortgage lenders, both in the area of mortgage lending and mortgage funding.
3. provide regular statistics on the European mortgage industry and publish a wide range of publications on mortgage credit in Europe.
4. achieve best practices in trade association management at European level.

The Federation is the key-talking partner of the European Commission, the Banking Advisory Committee, the European Central Bank and the Basel Committee on all questions relating to the European mortgage industry.