When buying a home, you can opt to take out a mortgage that includes the Dutch National Mortgage Guarantee (NHG). This means that your mortgage is guaranteed by the Dutch Homeownership Guarantee Fund (Stichting Waarborgfonds Eigen Woningen), so your risk and your interest rate will both be lower. In 2025, you can take out a mortgage with this guarantee if your home does not cost more than € 450,000 .
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.
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.
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