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Across Europe, millions of buildings stand empty while people struggle to find affordable places to live. HFHI conducted this research to better understand which financial mechanisms and models are most effective in converting vacant spaces into affordable housing. Looking across different European cities, the study examines how tools like loans, grants, revolving funds, and blended finance actually perform in practice - and why some approaches succeed while others fall short.

Europe is facing a dual crisis of a severe shortage of affordable housing and an urgent need to reduce carbon emissions. Habitat for Humanity’s “Empty Spaces to Homes” initiative tackles these challenges by repurposing vacant properties into affordable, energy-efficient housing.

Bratislava (January 15, 2025) – Habitat for Humanity International is delighted to announce the continuation of its long-standing partnership with wienerberger, one of the leading providers of innovative and ecological building materials and infrastructure solutions. This marks the fifth renewal of a three-year collaboration, extending the relationship into 2025–2027. Since its inception in 2012, the partnership has grown to positively impact thousands of families, creating safer and more energy-efficient homes across Europe and North America.

Kyiv, Ukraine (March 27, 2025) – Ukrainian Financial Housing Company and Habitat for Humanity in Ukraine sign Memorandum of Understanding for promoting sustainable housing finance in Ukraine and affordable housing for vulnerable people of Ukraine. The signing took place on 27 March in Kyiv as part of the First Affordable Mortgage Forum organised by the Ukrainian Financial Housing Company (UFHC) with the support of the Ministry of Economy of Ukraine.

Kyiv, Ukraine (March 4, 2025) – The State Specialized Financial Institution “State Fund for Assistance to Youth Housing Construction” (Derzhmolodzhytlo) in Ukraine and Habitat for Humanity in Ukraine signed a Memorandum of Understanding to promote sustainable and affordable housing finance options for vulnerable people affected by the war in Ukraine.

Habitat for Humanity is proud to announce the continued partnership with Umdasch Group, a global leader in construction and retail solutions based in Austria.

Bratislava (August 14, 2025) – Habitat for Humanity is excited to announce the next step in our growing collaboration with the Employee Foundation of the VKR Group. Together, we’re building on shared values and years of impactful work, this time through hands-on volunteer work and collective action in Poland.

NAIROBI, October 15, 2025 — A new initiative funded by the Swiss Capacity Building Facility (SCBF) is set to improve access to affordable housing finance and insurance solutions for low and middle income households in Kenya. The solutions propose to use home improvement as a pathway to enhance climate resilience and lower the disease burden of malaria and other climate induced health illnesses

Tanzania Mortgage Refinance Company (TMRC) signed a memorandum of understanding with Habitat for Humanity International (HFHI) in August 2022 to engage in an effort to promote the ability of TMRC in unpacking the potential of Housing Microfinance (HMF) in Tanzania and supporting TMRC to develop and expand its commercial relationships with low-income consumers as a means of increasing their access to affordable and quality housing solutions, a first step in the organizations’ joint-effort to expand and strengthen the low-income housing finance sector in Tanzania.

Habitat for Humanity International has launched a new partnership with the Swiss Capacity Building Facility (SCBF) to expand access to affordable, climate-resilient housing for low- and middle-income households living in flood-prone communities around Lake Victoria in Kenya.