Flawless financing of energy efficiency in buildings still prevails as an untouched mark. There is currently large variety of schemes in place all ever Europe. Some are more successful than the others. Author has undertaken an investigation to find out what makes the thriving measure better. In order for the programme to be successful in a longer term the “recipe” has to be just right. There is well established common knowledge that refurbishing a house will bring certain benefits in long term of running the property, but this it self is not enough. For average tenants and home owner there is still a large barrier of initial investment, low foreknowledge and uncertainty of the outcomes. Therefore the main goal of this work is an analysis and subsequent critical comparison of how governments in 12 selected European countries are stimulating citizens and businesses to build energy-efficient homes. The author establishes which of the systems implemented are the most favourable. These measures are than recommended to apply also in other regions.