This report answers the need to establish a policy roadmap for maximising the uptake of on-bill schemes in the EU residential market. Building on the results of the RenOnBill research and innovation project, the report explains policy solutions applicable at EU and national level, with special focus on the first three years after the end of the RenOnBill project (2022–2025).

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. After introducing the regulatory framework, the report explains solutions for overcoming these barriers and eventually proposes a set of EU and national policy recommendations to make these solutions possible.