The National Hypotheek Garantie (NHG) is an essential tool for those wishing to purchase a home in the Netherlands. Let’s take a closer look at what it is and what benefits it offers:
For the full picture of how mortgages work in the Netherlands — types, costs and current rates — see our main guide: Mortgages in the Netherlands: rates and costs.
What is the NHG?
NHG is a guarantee that you can obtain when you apply for a loan to buy or renovate a home. It provides additional security and significant interest discounts on your mortgage.
Benefits of the NHG
- Payment facilities: In case of temporary financial difficulties, NHG offers the Financial Burden Facility, which helps you to maintain your home.
- Restschuld: If you have to sell your home and the sale does not cover the debt, the NHG can forgive the debt.
- Interest discount: With NHG, you enjoy a lower interest rate, which can mean significant savings over time.
Is NHG right for you?
- If you are looking for security and lower interest rates, NHG may be the ideal choice.
- It is important to know the limits of the NHG and whether you qualify for it.
Frequently Asked Questions about NHG
- Why choose NHG? NHG offers additional security and lower interest rates, which can translate into significant financial savings over time.
- What is the NHG limit in 2026? The NHG limit in 2026 is €470,000, and can rise to €498,200 if energy-saving measures are included. Since 2026 the same limit applies to all types of homes.
- ¿Es obligatoria la NHG? No es obligatorio obtener la NHG, pero puede ser una opción beneficios para aquellos que deseen obtener una hipoteca con tasas de interés más bajas.
- How much does NHG cost in 2026? The NHG has a one-off cost of 0.4% of the mortgage amount. This cost can be tax deducted and is generally recovered through interest savings.
- How much can I borrow with NHG? The maximum mortgage amount with NHG is €435,000 for the purchase of a property and up to €461,000 if energy improvements are included.
For more information about the NHG and how it can benefit you, visit the website of the Waarborgfonds Eigen Woningen.
