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The document aims to achieve the goal of providing a refinancing solution for STF’s building renovation loans. It involves analyzing the business model and operational setup of the “Service Public de l’Efficacité Energétique” (SPEE) in Hauts-de-France, exploring a financial structure to refinance SPEE’s direct loans. The findings highlight challenges in SPEE’s loan origination process, marketing strategy, and loan administration procedures. Additionally, it discusses the potential use of the securitization market for refinancing.

This is precisely the purpose of the methodological guide, which describes the pathways and factors for success, as well as the limits and drawbacks of setting up an integrated home renovation service. The aim of this guide is to present the existing TPFC and their role (part 1), explain how they operate (part 2), and help public players, particularly local authorities, set up a TPFC in their area if the conditions are right (parts 3 and 4). SERAFIN wants to make these elements available to as many people as possible, so that, in a near future, they become the norm in the renovation market.

The final publishable of the H2020 INNOVATE project give an insight into the activities performed during the project lifetime, provides recommendations for one-stop shop newcomers as well es recommendations for all governance levels - local/ regional, national and European.

This inventory developed in the framework of the H2020 INNOVATE project proposes an in-depth analysis of different aspects of the existing pilot models and the services they offer to homeowners.These features, likely to be qualified as "good practice", are described and additional information supporting the setting-up of a one-stop shop are provided. The ultimate objective is to understand the overall functioning of these organisations, to assess their economic sustainability and to evaluate their effectiveness.