What is the 2025 NHG limit?
The NHG limit will rise to €450,000 in 2025. This means that when you take out a mortgage with National Mortgage Guarantee (NHG), you can buy a home up to this amount. Do you want to buy a sustainable home or invest in energy-saving measures? Then the limit is even higher, at €477,000.
This increase is good news for homebuyers, especially first-time buyers. With rising home prices, the new limit ensures that more homes fall within the NHG scheme. This not only provides financial security, but also gives you access to lower interest rates and better terms.
Compared to 2024, when the limit was at €435,000, the NHG limit is increasing by €15,000. This increase reflects the growing housing market and helps buyers finance their first or next home without additional risk. Thanks to this higher limit, the housing market will be much more accessible to young buyers in 2025.
How will the NHG help first-time buyers in 2025?
The National Mortgage Guarantee (NHG) in 2025 offers many advantages for first-time buyers looking to buy their first home. Thanks to the higher NHG limit of €450,000 (and even €477,000 for sustainable homes), young buyers will have more options and additional protection. This makes buying a home not only more accessible, but also safer.
An important benefit of NHG is the added security it provides. Imagine you have to sell your home due to circumstances, such as divorce or unemployment. If the selling price is lower than the outstanding mortgage, there will be a residual debt. Without NHG, you have to pay this debt yourself, which can amount to tens of thousands of euros. With NHG, this risk is largely eliminated. The organization helps to solve the residual debt, so you are not left with major financial problems.
In addition to this protection, a mortgage with NHG often offers lower interest rates. This is because lenders run less risk with a National Mortgage Guarantee. For starters, this means lower monthly costs and more financial room.
NHG energy-saving measures 2025
If you invest in energy-saving measures, such as solar panels, insulation or a heat pump, you can benefit from a higher NHG limit. In this case, the limit is €477,000, which is €27,000 higher than the regular limit of €450,000. This is because by 2025, the National Mortgage Guarantee (NHG) not only provides security, but also encourages making homes more sustainable.
This additional space helps buyers make their homes more sustainable without increasing financial risk. Investing in energy-saving features also has immediate benefits:
- You reduce your energy costs
- You increase the home value.
First-time buyers in particular can benefit. With the higher limit, they will have more opportunities to buy an energy-efficient home or make it more sustainable. Moreover, a home with sustainable features is often more attractive to lenders. Because they see less risk in an energy-efficient home, this often results in a lower interest rate, making your monthly payments even more favorable.
In some cases, you can also take advantage of additional subsidies or loans for sustainability. It is therefore smart to look at the possibilities for financing sustainability when applying for your mortgage. This way, you not only reduce your energy bill, but also ensure a future-proof home that meets the latest standards.
NHG limit 2025 new construction
The 2025 NHG limit makes buying a new home more attractive than ever, especially for first-time buyers. New construction homes are subject to the same conditions as existing homes, with a maximum limit of €450,000. If you invest in energy-saving features, such as a heat pump or solar panels, this limit rises to €477,000. This gives you more financial room to choose a sustainable and future-proof home.
Benefits of NHG limit for new construction homes 2025
- Newly built homes meet the latest building and energy standards, which means you're at less risk of unexpected costs and can start carefree.
- Thanks to NHG, you often pay a lower interest rate, which means lower monthly costs and more financial room.
- With new construction, you can immediately opt for energy-saving features such as solar panels or high-quality insulation, which not only lowers your energy bill but also increases your living comfort.
- An energy-efficient home retains its value better and is more attractive in the housing market, making your home a smart investment.
- With NHG, you are protected against residual debt if you have to sell your home due to circumstances, so you can move on without financial worries.
What does a National Mortgage Guarantee 2025 cost?
A mortgage with National Mortgage Guarantee (NHG) offers many advantages, but there are also costs involved. When you take out a National Mortgage Guarantee, you pay a one-time bail premium. This premium is set at 0.4% of the total mortgage amount in 2025. This may seem like a lot, but thanks to the NHG, you often save on interest, so the cost quickly pays for itself.
Cost example NHG 2025
Suppose you take out a mortgage of €450,000. The bailment fee is then: 0.4% of €450,000 = €1800.
This amount is usually included directly in the mortgage, so you don't have to pay it out of pocket.
Cost example for starters
For example, as a starter, you buy your first home for €250,000. Your mortgage is also €250,000. The escrow fee is then: 0.4% of €250,000 = €1000.
Thanks to NHG, you benefit from a lower interest rate. Say you pay 0.3% less interest with NHG than without it. On a €250,000 mortgage, this can quickly save €750 per year. So you'll recoup the cost of NHG within just over a year.
Although the bail-in fee is a one-time investment, NHG offers you financial security and access to better terms. For example, it protects you in the event of residual debt or unexpected situations. For first-time buyers, getting a solid start on the housing market with NHG is often a smart choice.
NHG purchase price or assessed value: what about in 2025?
When taking out a hyptoheek with NHG, the National Mortgage Guarantee looks at both the purchase price and the assessed value of the home. But what exactly does this mean? NHG always uses the lower of the two to determine your maximum mortgage amount. The maximum purchase price NHG in 2025 is €450,000
How does this work in practice?
Suppose you buy a house for €400,000, but the appraisal value is €380,000. NHG will then use the €380,000 as the basis for your mortgage. You have to pay the difference of €20,000 from your own resources. This can affect your financial planning, especially if you don't have a large savings buffer.
What does this mean for startups?
For first-time buyers, it is important to take this difference into account. A lower appraisal value may mean you can borrow less than expected, which will impact your overall financing. Therefore, always make sure you have a realistic appraisal of the home, so there are no surprises during the process.
An accurate appraisal value is essential to avoid having to put in extra cash of your own when buying. Discuss this with your lender and real estate agent before making an offer so you know exactly where you stand. At homeup you can easily get an valuation report request. This way you can be sure that you will get a reliable and accurate appraisal value, completely tailored to your situation.
Frequently asked questions about NHG in 2025
Wondering how NHG can help you buy a home? With NHG, you get financial security and better terms for your mortgage. Whether you want to know more about the costs, benefits or conditions, here are answers to the most frequently asked questions.
Is your question not listed? Feel free to contact one of our experts or ask for mortgage advice. We are happy to help you with personal advice!
What is an NHG mortgage?
NHG mortgage is a mortgage with National Mortgage Guarantee (NHG). With an NHG, you protect yourself against financial risk and benefit from better terms and conditions. This makes buying a home not only safer, but also more affordable. For example, if you are forced to sell your home and the proceeds are less than your mortgage, NHG helps to make up the difference.
NHG is especially important for first-time homebuyers. It not only gives you extra security, but often a lower interest rate. This is because lenders run less risk with an NHG mortgage. As a result, you save on your monthly costs and make a safer start in the housing market.
What do you need to meet to get NHG in 2025?
To qualify for a mortgage with NHG, you must meet the following requirements:
- The home must fall within the NHG limit. In 2025, the maximum purchase price may be €450,000. Are you investing in energy-saving measures, such as solar panels or insulation? Then the limit is higher, at €477,000.
- You must use the home as your primary residence. This means that you will live in the house yourself and not rent it out or use it as a vacation or second home. Only then are you eligible for NHG.
- You must meet income and loan standards. These standards are set to determine how much you can borrow responsibly. They take into account your income, monthly expenses and financial situation.
Whyare these conditions important?
NHG offers you protection, such as in the event of a residual debt or forced sale. To provide this security, the National Mortgage Guarantee uses strict rules to limit financial risks for both you and the lender.
For first-time buyers, it is especially important to take into account the NHG limit and make sure you buy a home that falls within these limits.
What is the advantage of a mortgage with NHG?
A mortgage with NHG offers many advantages for homebuyers, especially for first-time buyers. The main benefits are:
- Protection against residual debt. If you are forced to sell your home and the sale proceeds are less than your outstanding mortgage, NHG helps you cover the residual debt. This prevents financial problems and offers you peace of mind.
- Lower interest rates and lower monthly payments. With NHG, lenders run less risk, so you can often take advantage of lower interest rates. This ensures not only lower monthly expenses, but also more financial room to achieve other goals.
- Extra financial security in the event of setbacks. NHG acts as a safety net in the event of unforeseen circumstances, such as unemployment, divorce or disability. So you can take out your mortgage with a secure feeling.
Thanks to these benefits, the National Mortgage Guarantee not only provides protection, but also makes a mortgage more affordable. This makes NHG a smart choice, especially if you want security during your first steps in the housing market.
How much are you allowed to borrow with NHG in 2025?
In 2025, you can borrow a maximum of €450,000 with NHG. If you invest in energy-saving measures, such as solar panels or insulation, this limit will be increased to €477,000. This provides additional financial room for buyers who choose a sustainable home.
The NHG limit is based on the purchase price or appraised value, always using the lower of the two. It is important to note that this limit does not include buyer's costs, such as notary fees and transfer tax.
Is it wise to take NHG?
NHG is a wise choice if you want financial security and to take advantage of lower interest rates. Especially for first-time buyers, the National Mortgage Guarantee offers important advantages, such as protection against residual debt and better mortgage terms.
When is NHG wise?
- If you buy a home within the NHG limit of €450,000 (or €477,000 with preservation).
- If you have limited equity and want extra protection against financial risk.
- If you seek security in unexpected situations, such as unemployment or a foreclosure.
When is NHG less needed?
- If you are buying a home with a purchase price well below the NHG limit and your own funds are sufficient to cover any risks.
- If you already have a high excess value from the sale of a previous home.
Are you unsure if taking out NHG is the right choice for you? homeup is happy to help you with personal mortgage advice or schedule a no-obligation consultation and our experts will help you make a wise choice.
Does the NHG limit include buyer's fees?
No, the NHG limit does not include buyer's costs. The maximum amount of €450,000 in 2025 (or €477,000 with preservation) is based solely on the purchase price or appraised value of the home, using the lower of the two.
Buyer's fees are the additional costs you incur when buying a home. Read in our article on buyer's fees exactly what this includes and how it affects your situation.
How much interest does an NHG save?
A mortgage with NHG often saves 0.2% to 0.5% interest, depending on the lender. The NHG interest rate is not a fixed amount or percentage determined by NHG itself. Instead, banks and lenders apply an interest rate that is often lower than the regular mortgage rate. This interest rate advantage arises because NHG lowers the risks for banks, allowing them to offer more favorable terms.
Suppose you take out a €300,000 mortgage without NHG at an interest rate of 4.0%. With NHG, for example, the interest rate drops to 3.7%. This 0.3% difference will save you about €750 per year, which amounts to over €62 per month.
What and how high is the bail commission in 2025?
The bailment fee for NHG in 2025 is set at 0.4% of the mortgage amount. This is a one-time premium you pay when taking out a mortgage with National Mortgage Guarantee (NHG).
Suppose you take out a mortgage of €300,000. The bailment fee is then:
0.4% of €300,000 = €1200.
