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 focuses on identifying viable business models (BM) for integrated home renovation services (IHRS) for homeowners’ associations (HOAs) in the Netherlands and Flanders. The aim is to support clear identification of how to activate IHRS for condominiums, if applicable, in close collaboration with cities and regions. This work should serve the development of suitable practices covering expectations regarding the adaptation of existing IHRS BMs in the European Union (EU)

The document presents the methodology used to collect different local experiences, and the main outcomes and conclusions derived from the practical implementation of different tailor-made Business Model Framework (BMFs) in the UP-STAIRS pilot OSSs. Although the implementation activities varied as a result of different local market conditions, there are common findings from all five pilot OSSs, which proved to be important and necessary to be taken into account.