Dutch National Mortgage Guarantee (NHG)

• Your interest rate will be up to 0.50% lower than for a mortgage not backed by the NHG.
• When taking out an NHG-backed mortgage, you can deduct the NHG fee from your taxable income.
• If you take out an NHG-backed mortgage, you can be sure that your mortgage fits your finances, as the mortgage adviser will assess your mortgage application based on the responsible mortgage standards set by the Dutch National Institute for Family Finance Information (Nibud).
• The NHG gives you a safety net to fall back on if, for example, you make a loss when selling your home. And if you lose your job, become unfit for work or get divorced, the Dutch Homeownership Guarantee Fund (Stichting Waarborgfonds Eigen Woningen) can help you find a solution.
• You can take out an NHG-backed mortgage for a new-build property, existing home or for a renovation or refurbishment project.

The terms and conditions and standards for the Dutch National Mortgage Guarantee for 2025 are specified below. For the last few years, the NHG limit has been linked to average house prices. As a result, this year’s limit has increased further, so more people will be eligible for an NHG-backed mortgage when buying a new home or remortgaging. 

• NHG limit:  
  In 2025, the maximum amount for an NHG-backed mortgage for existing and new-build properties is € 450,000. 
• Energy-efficiency measures:
  When energy-efficiency measures are included in the mortgage, the limit is even higher: € 461,100.  
• Lower mortgage guarantee fee:
  You will be charged a mortgage guarantee fee for an NHG-backed mortgage. In 2025 of the mortgage amount. 
• Remortgaging:
   In 2025, you can switch from a mortgage without the NHG to an NHG-backed mortgage, provided your mortgage fulfils the NHG conditions.

When taking out an NHG-backed mortgage, you will pay 0,4% of the amount you borrow for the purchase of your home. This means that if you were to borrow € 200,000 for a mortgage backed by a Dutch National Mortgage Guarantee, the fee payable would be € 1,200. The fee is payable to your lender when you take out the mortgage. Payment will be arranged by the notary.

Our easy-to-use calculator helps you find out the maximum loan amount for an NHG-backed mortgage. If you are indeed eligible for such a mortgage, the calculator will tell you instantly under ‘Your personal calculation’.

If you are no longer able to make your monthly mortgage payments, if you get divorced, become disabled or lose your job for instance, an NHG-backed mortgage gives you a safety net. Of course, it will still be your responsibility to find a solution that will get you back to making your monthly payments, but NHG and ABN AMRO will support you in this, looking for ways to make your mortgage affordable for you again. If selling your home eventually turns out to be the only option and the proceeds from the sale are not enough to pay the outstanding balance on your mortgage, NHG may, on certain conditions, cover the mortgage shortfall or include it in a new mortgage.

If you are in employment and want to take out an NHG-backed mortgage, you will need an employer's statement. Your mortgage adviser will remind you of this during the orientation meeting for mortgage advice.

If you would like to talk to someone about your options for an NHG-backed mortgage, please make an appointment for a no-obligations orientation meeting. Simply complete the appointment form and an adviser will call you to schedule a meeting.