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SMARTER Finance for Families–Improving Citizens’ Health, Comfort and Financial Well-Being by Supporting Banks, Residential Investors and Solution Providers with Green Homes and Green Mortgage programs

Livrables

recommended Green Homes certification tool is confirmed or selected for each Implementing Partner country

A recommended Green Homes certification tool is confirmed or selected for each Implementing Partner country based on the input from Deliverables 25 26 and 27 Lead partner RoGBC M4

Project Summary Report

Project Summary Report for general public and policy makers

Catalogue of recommended hybrid green finance solutions

Catalogue of recommended hybrid green finance solutions with private sector banks for lowincome new construction and EEGreen renovations These Energy Poverty alleviation initiatives must provide a minimum level of support to ensure sufficient uptake by citizens banking partners and or residential investorsdevelopers Lead Partner PIN M8

Guidance document for Property Evaluators

Brief guidance document for Property Evaluators translated for each Implementing Partner country to explain leading practices of how EEGreen Homes should be valued Lead partner RoGBC M6

"Locally-adapted and translated ""Green Home Guide"""

Locallyadapted and translated Green Home Guide to be supplied to EEGreen Homes buyers either through residential investordevelopers for new homes or delivered from the bank for renovation projects to ensure the planned energy environmental health and financial benefits match the actual benefits received by the occupantsowners

Internal Project Communications Plan & Detailed Work Plan

Internal Project Communications Plan & Detailed Work Plan including all WP activities, team meetings, key events and reporting dates

Locally-adapted and translated Informational Brochures designed for citizens to explain “What is a Green Home?

Locally-adapted and translated Informational Brochures designed for citizens to explain “What is a Green Home?” that provide explanations of the health, safety, environmental and financial benefits of Green Homes and include an example of the “Total Cost of Monthly Ownership” comparing EE/Green Homes versus standard Homes. – Lead partner: RoGBC (M8)

"Recommendations for ""Implementing Partners"" of the minimum level of performance on energy efficiency and non-energy related green criteria for projects to be qualified for Green Mortgages / Green Loans and rolled up into ""Green Bonds"""

Recommendations for SMARTER Implementing Partners of the minimum level of performance on energy efficiency and nonenergy related green criteria for projects to be qualified for Green Mortgages Green Loans and rolled up into Green Bonds This should include input from EeMaP projects and newly launch H2020 projects addressing Mainstreaming Energy Efficiency Finance Implementing Partners will adopt recommended changes if their current standard is less than the recommended standard with the intention to announce changes at the projects final meeting Lead partner RoGBC M22

Initial European-based and locally-based energy data examining risk of mortgage or loan default

Initial Europeanbased and locallybased energy data examining risk of mortgage or loan default for EEGreen vs nonEEGreen projects that is useful for Implementing Partner banks as well as suitable to contribute to ongoing relevant project efforts exploring mortgage and other finance risk such as the Energy Efficiency Financing Institutions Group EEFIG DEEP database and the EeMAP projects EeDAP database This data will be continuously augmented as new banking partners willing to analyse their mortgage and other loan portfolios join the SMARTER project Lead partner CZGBC M24

List of recommended research and other documentation for the European Advisory Board

List of recommended research and other documentation to inform the European Advisory Board of the current issues and objectives of Institutional Investors related to Green Homes, Green Mortgages and other Green Loans. The information will be distributed in the “Green Homes Investment Platform” to allow other stakeholders to get informed and engage on the topic. – Lead partner: Turkeco] (M8)

Data Collection Structure

A Data Collection Structure that is feasible and useful for Mortgage Lenders their UnderwritingRisk Management Departments and all other interested parties including the EEFIG DEEP database and EeDAP database This is the energy and nonenergy green performance data to be collected from participating residential projects and homeowners related to actual energy and energy costs realized after occupancy of renovated and new construction projects This includes specific instructions to be included in Green Mortgage Green Renovation Loan agreements between participant banks and their clients advising of the need to provide actual annual energy usage data Lead partner SKGBC M4

Catalogue of both common and country-specific barriers

Catalogue of both common and country-specific social, economic, technical, policy or other administrative barriers to the mainstreaming of green finance as a facilitator of greater EE/Green Home performance. Recommended solutions and results will be included.

List of recommended policy improvements, rationale and potential impact for National and Local governments to support increasing Institutional Investment into Green Finance

List of recommended policy improvements rationale and potential impact for National and Local governments to support increasing Institutional Investment into Green Finance initiatives to leverage public sector investment Lead partner GBC Italia M24

Materials for universities & other educational organizations

Guidance document for distribution to Universities and other institutionsorganizations responsible for preparing the current and future finance and buildings professionals and tradespersons to deliver Green Homes projects and related Green Finance products

Risk Assessment and Contingency Plan

Risk Assessment and Contingency Plan – updated at Month 8 and 16 of the project to re-assess risk and adjust or add mitigation measures as appropriate

Locally-adapted (including local legal review), translated sample Legal Agreements between essential Stakeholders

Locally-adapted (including local legal review), translated sample Legal Agreements between 1) Banks and Certifiers -2) Residential Investors/Developers and Certifiers and 3) Banks and Residential Investors that clearly define the obligations and benefits of each party with respect to conducting / joining a Green Homes & Green Mortgage programme – Lead partner: RoGBC (M8)

Campaigns ready for print, online, and televised media for end-consumers (home renovators and potential buyers of new, EE/Green Homes) paid for by participating Stakeholders

Campaigns ready for print online and televised media for endconsumers home renovators and potential buyers of new EEGreen Homes paid for by participating banks residential investordevelopers and Green Homes Solution Providers that describe those businesses participation in the GHGM programme Lead partner RoGBC M24

"Signed agreements between partner banks and ""Certifiers"" and between government entities and partner banks to introduce new hybrid green finance solutions"

Signed agreements between partner banks and Certifiers and between government entities and partner banks to introduce new hybrid green finance solutions that both effectively alleviate Energy Poverty and improve energy and other green performance as well as human health and comfort Lead Partner PIN M24

Full set of documentation and toolkit(s) - focused on solutions for households experiencing Energy Poverty

Full set of documentation and toolkits focused on solutions for households experiencing Energy Poverty to describe recommended Green Homes renovation solutions to accommodate all relevant stakeholders citizens banks government agencies Green Homes Solution Providers GHSPs Lead partner ENEFFECT M8

Local offers of Green Mortgages and Green Renovation Loans are publicly launched from each participating partner bank

Local offers of Green Mortgages and Green Renovation Loans are publicly launched from each participating partner bank Lead partner Enova M24

Instructions and support for Knowledge Management System

Instructions and available support to optimize project team’s use of Knowledge Management System

Document describing SMARTER project approval processes for various project documents and other tools and external communication

Document describing SMARTER project approval processes for various project documents and other tools and external communication that supports the “Management structure and procedures” defined in Section 3.2 of this application. - Lead Partner: DTU (M2)

"In country ""Certifiers"" prepared"

In country Certifiers independently or with support from other consortium partners are qualified to guide and assess projects intending to be certified within the Green Homes Green Mortgage program

"Document describing a model ""Green Homes Certification Institute"" that can be established in each Implementing Partner country"

Document describing a model Green Homes Certification Institute that can be established in each Implementing Partner country to include governancebylaws business plan and responsibilities Lead Partner RoGBC M6

"Locally-adapted and translated: ""Green Homes & Green Mortgages: A Toolkit for Residential Investors & Developers"""

Locallyadapted and translated Green Homes Green Mortgages A Toolkit for Residential Investors Developers for each Implementing Partner country Lead partner RoGBC M6

Locally-adapted and translated Training presentation slides and other course materials

Locallyadapted and translated Training presentation slides and other course materials for physical and live and recorded webbased training sessions with separate versions customized for relevant stakeholder groups eg banks would have an extra focus on underwriting considerations and mortgage risk reduction investordevelopers would have a focus on how to achieve the criteria and sales increase potential Green Homes Solution Providers would explain how they can qualify to be included and how their sales representatives can sell green performance

"Complete post-construction ""Green Homes"" Certification of qualifying residential projects - Lead partner: RoGBC (M24)"

Complete postconstruction Green Homes Certification of qualifying residential projects Lead partner RoGBC M24

Proposed financial model for each Implementing Partner

Proposed financial model for each Implementing Partner and other relevant stakeholders (e.g. financial valuation experts) to use in capacity building toolkits and communications to citizens (potential homebuyers and owners considering renovation) to demonstrate “Total Cost of Monthly Ownership” for EE/Green vs. standard homes.

Signed Agreements to proceed with all key stakeholders listed in WP 7 Task 7.1 in each Implementing Partner country

Signed Agreements to proceed with all key stakeholders listed in WP 7 Task 71 in each Implementing Partner country The number of agreements will meet or exceed the targets for residential investorsdevelopers and partner banks Lead partner RoGBC M24

Create sample portfolio - using Task 4.7 and Deliverable 4.4 as inputs - of 30+ green residential projects

Create sample portfolio using Task 47 and Deliverable 44 as inputs of 30 green residential projects to provide a mock real world example of what types of underlying green residential investments would make up a portfolio of projects reaching the minimum EEgreen criteria Lead partner DTU M22

Report templates and guidance prepared for all Consortium Partners

Report templates and guidance prepared for all Consortium Partners conforming to the requirements of Horizon 2020 financial, operational and progress reporting

Established list of qualified and confirmed participants who will contribute actively to the European Advisory Board activities and the ongoing “Green Homes Investment Platform

Established list of 8 qualified and confirmed participants external to the SMARTER project who will contribute actively to the European Advisory Board activities and the ongoing “Green Homes Investment Platform”. – Lead partner: DTU (M8)

Tracking of Expected Impact performance data

Calculation Methodology and Tracking of Expected Impact performance data as described in Section 21 Initial evaluations will be made at month 8 12 16 and at the conclusion of the project to indicate actual versus predicted performance

Sample Survey for partner Banks' client

Sample Survey for partner Banks clients to be informed by the local focus group results and adapted and translated for each Implementing Partner country to distribute to clients and collected results from this survey Lead partner PLGBC M6

Specified minimum Energy Performance Certificate criteria and other non-Energy Green criteria

Specified minimum Energy Performance Certificate criteria and other non-Energy Green criteria (using Green Homes Certifications for use in the pilot phase for each Implementing Partner country). The minimum energy criteria will be selected to balance maximizing the number of residential projects in the program while including only those projects likely to advance the standard on the market in areas such as 1) achieving ahead of legislative deadlines projects that meet “nearly net zero energy” requirements and 2) projects that will produce energy and other cost savings to produce meaningful reduction in mortgage / loan default risk. – Lead partner: SKGBC (M3)

Local offers of Green Homes (pre-Certified or Certified) of units for sale are launched each by residential investor/developer participating in the program

Local offers of Green Homes preCertified or Certified of units for sale are launched each by residential investordeveloper participating in the program Lead partner Enova M24

Recommended Adjustments to incorporate the Level(s) framework

Recommended Adjustments to incorporate the Level(s) framework and acceptance of those adjustments into the EE/Green Homes certification tools in use by Implementing Partners during the pilot phase. These will be divided into all immediate adjustments that are feasible to implement during the SMARTER project period as well as (if necessary) a road map detailing how the Green Homes certifications will evolve over time.

List of Green Homes Solution Providers identified in each Implementing Partner Country

List of Green Homes Solution Providers identified in each Implementing Partner Country to help residential project teams quickly identify solution providers that can assist them in delivering green homes This will be displayed on a dedicated GHGM space on the websites of each Implementing Partner and updated as more providers join the initiative during the remaining project period Lead partner Turkeco M9

Data Management Plan

Data Management Plan including data privacy protocols and procedures

"Completed ""Pre-Certification Agreements"" with residential investors / developers and homeowners"

Completed PreCertification Agreements with residential investors developers and homeowners RoGBC M24

List of Residential Projects in all Implementing Partner countries identified as interested in and able to achieve the EE/Green Homes criteria to be eligible for Green Mortgages

List of Residential Projects in all Implementing Partner countries identified as interested in and able to achieve the EE/Green Homes criteria to be eligible for Green Mortgages. –Lead partner: RoGBC (M8)

Recommended Adjustments to incorporate the CEN and other related standards

Recommended Adjustments to incorporate the CEN and other related standards and acceptance of those adjustments into the EE/Green Homes certification tools in use by Implementing Partners during the pilot phase. These will be divided into all immediate adjustments that are feasible to implement during the SMARTER project period as well as (if necessary) a road map detailing how the Green Homes certifications will evolve over time.

List of Recommended Research

List of Recommended Research for other Project Partners’ review and inclusion into stakeholders’ capacity building tools as reference / supporting documentation

Communication Plan

Communication Plan addressing all stakeholders with partners compliant with tasks in a timely manner including templates for the communication material to be used by the partners for the dissemination of the project – Lead partner: Irish GBC (M5)

"Locally-adapted and translated: ""Green Mortgages & Green Renovation Loans: A Toolkit for Financial Institutions"""

Locallyadapted and translated Green Mortgages Green Renovation Loans A Toolkit for Financial Institutions for each Implementing Partner country Lead partner RoGBC M6

List of Recommended Research, Documentation and Case Studies

List of Recommended Research, Documentation and Case Studies of Successful Programs addressing Energy Poverty for dissemination to SMARTER project consortium – Lead partner: CRES (M3)

Guidance document to instruct Implementing Partners and Expertise Providers how to best prepare their market to increase delivery of project portfolios investable by green-focused Institutional Investors

Guidance document using all WP 4 Tasks and Deliverables to instruct Implementing Partners and Expertise Providers of the SMARTER Consortium how to best prepare their market to increase delivery of project portfolios investable by greenfocused Institutional Investors Lead partner EEC GEORGIA M22

Quality Management Plan

Quality Management Plan– including “real time” Project Performance Measurement tracking tool and repository to facilitate effective management by the Project Manager, Work Package Leaders and Task Leaders, Impact measurement of project-to-date and final impact calculations

List of green-qualified Property Evaluators

In country Property Evaluators whose work valuing EEGreen Homes projects in the GHGM programme is acceptable allowing the Green Mortgage partner banks to issue loans This is an initial list to be updated over the remaining project period as new evaluators sign on

"Establish ""Green Homes Investment Platform"""

Establish Green Homes Investment Platform a dedicated section of the SMARTER Finance for Families residential green finance online platform to consolidate and present information and SMARTER project progress primarily to the Institutional Investment community focusing on providing the details of what are Green Homes Green Mortgage programmes how do they function ontheground and what are the financial impacts of these building blocks of bigger investments over time Lead partner DTU M7

A national Energy agency website including information for citizens is launched in Greece and a English language version

A national Energy agency websites including information for citizens is launched in Greece and a English language version is available for other energy agencies interested to host information on EEGreen Homes finance programs and their associated benefits Lead partner CRES M8

Functional “SMARTER Finance for Families” residential green finance online platform, with suitable content, that meets the needs of all relevant stakeholders

Functional “SMARTER Finance for Families” residential green finance online platform, with suitable content, that meets the needs of all relevant stakeholders, including: -the currently Implementing Partners of the SMARTER project, -the European Advisory Board and interested members of the green investment community for the “Green Homes Investment Platform”, (this section to launch in M8) -the project partners responsible for WP8 “Communications & Awareness Building” according to the requisite project schedule. All project consortium partners should display sufficient understanding of how to use the “Knowledge Management System” for project purposes. – Lead Partner: DTU (M4)

Create dedicated GHGM information section on each SMARTER Implementing Partner's website

Appealing informative and relevant information is displayed in a dedicated section on each SMARTER Implementing Partners website to inform local citizens and all other stakeholders about the GHGM programmes Easily accessible information will improve the effectiveness of the Implementing Partners outreach to both Businesses and Consumers Lead partner RoGBC M7

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