This report answers the need to establish a policy roadmap for maximising the uptake of on-bill schemes in the EU residential market. In brief, on-bill schemes use the utility bill as a repayment vehicle and bring different actors into a building renovation project. Certain features of on-bill schemes that are not easily found in other financing instruments can help strike a balance between the interests of different renovation participants and resolve barriers to energy renovation. In addition, due to their large-scale implementation potential, on-bill schemes can be a powerful tool for reaching EU decarbonisation goals. The report starts by listing 11 potential barriers for on-bill uptake in the EU, grouping them by source – homeowner, utility/financial institution or market related.

This report answers the need to establish a policy roadmap for maximising the uptake of on-bill schemes in the EU residential market. In brief, on-bill schemes use the utility bill as a repayment vehicle and bring different actors into a building renovation project. Certain features of on-bill schemes that are not easily found in other financing instruments can help strike a balance between the interests of different renovation participants and resolve barriers to energy renovation. In addition, due to their large-scale implementation potential, on-bill schemes can be a powerful tool for reaching EU decarbonisation goals. The report starts by listing 11 potential barriers for on-bill uptake in the EU, grouping them by source – homeowner, utility/financial institution or market related.