What is NHG?

The National Mortgage Guarantee (NHG) encourages people to purchase a home with a property value of up to €470,000. In addition, NHG helps limit the financial risks of owning your own home—now and in the future.

NHG in 2 minutes

A mortgage that fits your income

An NHG-backed mortgage helps ensure that your loan remains affordable and responsible. Your mortgage is assessed according to the lending standards of Nibud, meaning you never borrow more than you can reasonably manage, while still having room for daily expenses and savings.

For expats, this offers extra reassurance when navigating the Dutch mortgage system.

A financial safety net when life changes

Life doesn’t always go as planned. Situations such as divorce, unemployment, disability or the loss of a partner can have a major financial impact.

With an NHG mortgage, you benefit from an additional safety net. NHG works together with you and your lender to help make your mortgage affordable again. In some cases, this can prevent a forced sale. If selling the home is unavoidable and results in a loss, NHG may waive the remaining debt.

When can you use NHG?

You can apply for NHG in several situations:

When buying a home, including new-build properties
When renovating or making sustainability improvements
When increasing an existing mortgage

Costs and limits

NHG comes with a one-time fee of 0.4% of the mortgage amount. This fee is tax-deductible and NHG often results in a lower interest rate, meaning the cost is usually recovered quickly.

In 2026, the maximum mortgage amount with NHG is €470,000. If the additional borrowing is fully used for energy-saving measures, this limit increases to €498,200.

Apply for NHG

An NHG mortgage can be arranged through Hypotheeknodig.nl. Want to know whether NHG is suitable for your situation? Use the contact form at the bottom of the page and we’ll be happy to help.