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Financing sustainable home improvements

Financing sustainability measures

Own funds

Using your savings for energy-efficiency measures will often get you more for your money than leaving them in a savings account would. And you can, of course, put any money you save thanks to your home improvements back into your savings account.


You can also finance energy-efficiency measures using your mortgage. If you do, you can count on an attractive interest rate. You can borrow up to 106% of your home’s value. Do bear in mind, however, that it involves monthly costs, even if the energy savings are not quite what you expected.

Make an appointment Find an independent advisor (in Dutch)

Borrowing money

If you want to get started making your home more sustainable, a loan may be just what you need. With our Personal Loan you borrow at a competitive interest rate. Do bear in mind, however, that taking out a loan means that you pay interest and a repayment every month, even if your energy savings are not quite what you expected.

Personal Loan

Going over your options with you

Savings or mortgage: ABN AMRO’s home advisers know how you could finance sustainable home improvements. Make a free appointment for a no-obligation orientation meeting at one of our branches, at home, or through Video Banking. You can, of course, also ask an independent adviser or see if you can take out a mortgage yourself, without advice.

Financial incentives

Tax benefit

If you are planning on getting solar panels, you may be able to get a refund for the 21% VAT from the Dutch Tax and Customs Administration. With costs totalling €3500, this could add up to a saving of around €735. Requesting a VAT refund is easy to do yourself through the Dutch Tax and Customs Administration (source: Milieu Centraal).


The Dutch government incentivises energy efficiency and renewable energy. This means that you can get a subsidy to make your home more energy-efficient or to generate your own electricity. There are various options for subsidies towards insulating your home, but also towards heat pumps and solar boilers. Apply for a subsidy either with the national government or with your municipality.

Financing sustainability measures with your mortgage

Increasing your mortgage

If you are renovating your home, and there is surplus value in your home, you may be able to increase your mortgage. If you use the renovation as an opportunity to make your home more energy-efficient as well, there is often more leeway within your mortgage. Do bear in mind, however, that the possible payback period may differ from what you expected beforehand.

More about increasing your mortgage

Sustainability discount

If you are buying a home with energy label A or B or renovating your home to energy label A or B, you will get a discount on your mortgage interest rate, either from the start of a new fixed-rate period or, if you register the energy label through the government, within 24 months of the start of your fixed-rate period.

Read more about our sustainability discount More about the energy label

Duurzaam Wonen Hypotheek (Sustainable Home Mortgage)

Part of your mortgage earmarked for the financing of energy-efficiency measures. You will get a competitive interest rate and plenty of time to decide what you want to do. Bear in mind, however, that the possible payback period could fall short of your expectations.

Duurzaam Wonen Hypotheek

Why choose sustainability

Potential reduction in energy consumption

Energy efficiency measures may help you reduce your energy consumption.

Better environment

A sustainable home is better for the environment. After all, your fossil fuel consumption is much lower.

More comfortable living

An insulated home is less draughty and retains heat better.