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Home loans without borders

Paul Foley
EU cross-border residential mortgages: are they nearer a reality? (Published in Irish Public Sector magazine, April 2018)

Retail financial services, from bank accounts, payment cards, consumer and mortgage credit, insurance and long term savings products, are an integral part of people’s daily lives. Based on statistics from July 2016, quoted by the Commission, only 7% of consumers had purchased a financial service from another EU Member State.

In its March 2017 Action Plan, the EU Commission set out the remaining obstacles and work to be undertaken to bring about a single market for retail financial services, so that the distinction between domestic and cross border providers of financial services will no longer matter.

Published in Irish Public Sector magazine, April 2019:

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