What is the NHG limit 2025?
The NHG limit will rise to €450,000 in 2025. This means you can get a higher mortgage with the Dutch National Mortgage Guarantee. Do you want to improve the energy label of your home? Then the limit goes up to €477,000. This helps you cover the purchase price of the house and make it more sustainable.
This is good news for first-time buyers. With rising house prices, the higher limit makes more homes fall under NHG. This gives you extra security and often a lower mortgage interest rate. So you borrow smart and safe.
In 2024, the limit was €435,000. In 2025 it goes up by €15,000. This shows how fast the market changes and helps you buy your first home without extra risks. Thanks to this increase, young buyers have better chances on the housing market.
What does a National Mortgage Guarantee cost in 2025?
Taking out a mortgage with the Dutch National Mortgage Guarantee (NHG) has many benefits, but there are some costs too. You pay a one-time fee of 0.4% of your total mortgage. NHG confirms this percentage for 2025. This may look high, but thanks to NHG you often pay lower mortgage interest. So the cost pays for itself fast.
Cost example NHG limit 2025
Suppose you take out a mortgage of €450,000. The bailment fee is then: 0.4% of €450,000 = €1800.
This amount is often added to your mortgage. So you don’t need to pay it from your savings or family finance information.
Cost example for starters NHG limit 2025
Suppose you buy your first home for €250,000. Your mortgage is also €250,000. The fee is then 0.4% of €250,000, so €1,000.
With NHG, you get a lower mortgage interest rate. For example, you pay 0.3% less. On €250,000, that saves you about €750 each year. So you earn back the fee in just over one year.
This one-time fee gives you extra security and better terms. NHG protects you if you have student debt, a sudden rapid rise in costs, or unexpected problems. For first-time buyers, NHG is a smart way to get a safe start in the housing market.
Energy-saving measures NHG limit 2025
If you invest in energy-saving measures like solar panels, extra insulation or a heat pump, you get a higher NHG limit. This means the limit goes up to €477,000 — €27,000 more than the regular €450,000. In 2025, the Dutch National Mortgage Guarantee not only offers security but also supports making your home 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 can benefit most. A home with a good energy label is more attractive to lenders. They see less risk, so you often get a lower mortgage interest and pay less each month.
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.
New construction NHG limit 2025
The 2025 NHG limit makes buying a new home more attractive than ever, especially for first-time buyers. New-build homes follow the same rules as existing homes, with a limit of €450,000. If you add energy-saving features like a heat pump or solar panels, the limit goes up to €477,000. The Rijksoverheid provides the official rules for this maximum amount. This gives you more space 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 labels, so you have less chance of extra costs and can move in carefree.
- With NHG, you often pay a lower mortgage interest. This means lower monthly payments and more room in your family finance information.
- With new construction, you can directly choose energy-saving features like solar panels or extra insulation. This lowers your bills and makes your home more comfortable.
- An energy-efficient home keeps its value better and stays attractive in the housing market, even when house prices change fast.
- With NHG, you are protected if you must sell your home. If you face a residual debt or unexpected costs, the homeownership guarantee fund helps you move on without big money worries.
NHG purchase price or assessed value: what about in 2025?
When you take out a mortgage with NHG, the Dutch National Mortgage Guarantee looks at both the purchase price of the house and the assessed value. But what does this mean? NHG always uses the lower amount to decide your maximum mortgage. In 2025, the highest purchase price you can cover with NHG is €450,000.
How does this work in practice?
Suppose you buy a home for €400,000, but the value of your home is assessed at €380,000. NHG then uses €380,000 as the limit for your loan. You must pay the €20,000 difference yourself. This affects your family finance information and budget, especially if you have no big savings.
What does this mean for startups?
For first-time buyers, it’s important to keep this difference in mind. A lower appraised value may mean you can borrow less than you planned, which affects your total budget. Always make sure you get a realistic appraisal of the home, so you avoid surprises and protect the value of your home.
A clear appraisal helps you avoid paying extra money from your own savings. Talk to your lender or mortgage advisor before you make an offer, so you know where you stand. With homeup, you can easily order an appraisal report that fits your personal situation. This gives you clear numbers and peace of mind.
How will the NHG help first-time buyers in 2025?
The Dutch National Mortgage Guarantee (NHG) in 2025 has many benefits for first-time buyers. With the higher NHG limit of €450,000, or even €477,000 for sustainable homes, young buyers have more choice and extra protection. This makes buying your first home safer and more realistic, even with rising house prices.
One big benefit of NHG is the security it gives you. Suppose you need to sell your home because of divorce, unemployment or another setback. If the sale price is lower than your loan, you have a residual debt. Without NHG, you pay this yourself, which can be tens of thousands of euros. With NHG, this risk is much smaller because the homeownership guarantee fund helps you cover the debt.
Besides this safety, an NHG mortgage often gives you a lower mortgage interest. This is because lenders see less risk with a NHG guarantee. For you, this means lower monthly costs and more room in your budget for your personal situation.
Frequently asked questions about NHG in 2025
Wondering how NHG can help you buy your first home? With the Dutch National Mortgage Guarantee, you get financial security and better terms for your mortgage. Whether you want to know more about costs, benefits or rules, here are answers to the most common 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?
An NHG mortgage is a loan with the Dutch National Mortgage Guarantee. With NHG, you protect yourself against money risks and get better terms. This makes buying a home safer and more affordable. For example, if you must sell your home and the sale price is lower than your mortgage, NHG helps cover the residual debt through the homeownership guarantee fund.
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 get a mortgage with the Dutch NHG in 2025, you need to meet a few conditions. These rules help you buy safely and protect your family finance information.
- The home must fall within the NHG limit 2025. In 2025, the maximum purchase price of the house is €450,000. Are you investing in energy-saving measures like solar panels or insulation? Then the limit is higher, at €477,000.
- You must use the home as your primary residence. This means you live in the house yourself, not rent it out or use it as a second home. Only then do you get NHG protection. (Tip: if you’re not from the EU, make sure you have a valid permanent residence permit.)
- You must meet income and loan standards. These show how much you can borrow safely. Lenders look at your income, living costs and personal situation.
Why are these conditions important?
NHG protects you if you face a residual debt or need to sell your home. To give this security, the homeownership guarantee fund uses clear rules. This limits risk for you and your lender.
For first-time buyers, it’s extra smart to check the NHG limit and make sure the home you want fits within these limits. That way you buy safe and with peace of mind.
What is the advantage of a mortgage with NHG?
A mortgage with the Dutch National Mortgage Guarantee (NHG) gives homebuyers, and especially first-time buyers, many advantages. The biggest benefits are:
- Protection against residual debt. If you must sell your home and the price is lower than your mortgage, NHG helps cover the gap. This saves you from big money problems and gives peace of mind.
- Lower interest rates and lower monthly payments. With NHG, lenders see less risk, so you often get a better rate. This means lower costs each month and more room for other goals.
- Extra financial security in the event of setbacks. NHG is your safety net for setbacks like unemployment, divorce or disability. You can arrange your mortgage with a secure feeling.
With these benefits, the homeownership guarantee fund not only protects you but also makes your mortgage more affordable. This makes NHG a smart choice if you want extra security for your personal situation.
How much are you allowed to borrow with NHG in 2025?
In 2025, you can borrow up to €450,000 with the Dutch National Mortgage Guarantee. If you invest in energy-saving steps like solar panels or insulation, this limit goes up to €477,000. This gives you extra financial room to buy a sustainable home with a better energy label.
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 often a smart choice if you want extra financial security and lower mortgage interest. For first-time buyers, the Dutch National Mortgage Guarantee gives important benefits, like protection against residual debt and better loan terms.
When is NHG wise?
- If you buy a home within the NHG limit of €450,000 (or €477,000 for energy-saving steps).
- If you have little savings and want more protection against money risks.
- If you want security in tough times, like unemployment or foreclosure.
When is NHG less needed?
- If you buy a home with a purchase price of the house far below the NHG limit and you have enough money to cover risks.
- If you already have a lot of value of your home from selling your last house.
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 bail commission for the Dutch National Mortgage Guarantee in 2025 is 0.4% of your mortgage amount. This is a one-time fee you pay when you take out your mortgage with NHG. It helps protect you and gives extra financial security.
For example, if you borrow €300,000, the fee is 0.4% of €300,000 = €1,200. This small cost is often added to your loan, so it does not directly impact your family finance information.
