Banking & Payments Federation Ireland hosted its annual mortgage market conference on Tuesday 10th March 2015 in the Westin Hotel, Dublin. This event brought together a range of informed stakeholders from home and abroad who examined the development of the ‘normalised’ mortgage market in Ireland while understanding the drivers of markets across Europe. A renewed and sustainable mortgage and housing environment is vital to underpin Ireland’s continued economic development. This conference provided insights on a number of European mortgage markets, while also examining the potential for long-term financing in Europe and the drivers of mortgage activity in Ireland. Topics of discussion included the role of Macro Prudential policy, the balance between supply and demand for housing, the evolving mortgage market, and challenges and opportunities in long term financing/investment for growth. While the mortgage market has shown signs of stability, albeit at relatively-low levels of activity, lenders have recently introduced a number of consumer- led innovations which point to a more positive business environment. The conference closed with an open panel discussion involving some senior commentators/stakeholders as they explore the future shape of the housing and mortgage market in Ireland.