NHG in 2026
NHG stands for National Mortgage Guarantee. It acts as a safety net for homeowners and can often also result in a lower mortgage rate.
Main NHG rules in 2026
If you finance energy-saving measures, a higher limit of €498,200 applies.
What are the benefits of NHG?
Potentially lower mortgage interest rate
Extra security in payment problems under conditions
A clear framework for first-time buyers and movers
Common questions about NHG
What is the NHG limit in 2026?
The standard NHG limit in 2026 is €470,000. If you finance energy-saving measures, the higher €498,200 limit can apply.
When do I qualify for NHG?
That depends on the home, the loan amount, and whether your mortgage fits the NHG conditions. NHG is intended for owner-occupied homes.
Is NHG required?
No. NHG is not mandatory. You choose a mortgage with NHG if your situation fits the conditions and your lender offers it.
Can I borrow more with energy-saving measures?
Yes. For energy-saving measures, a higher NHG cost limit applies in 2026, which can create more room within NHG.
Is NHG only for first-time buyers?
No. NHG is not only for first-time buyers. Movers can also use NHG if the mortgage meets the conditions.
Want to know whether your situation fits within NHG? Use the mortgage calculator.
Check straight away how your income, property value, and assumptions compare with the NHG limit.
More mortgage pages
Rules and sources
This page links to the official sources behind the Dutch mortgage rules and the assumptions used on this site.
Dutch government: what determines the maximum mortgage?
Official explanation that the maximum mortgage mainly depends on income, property value, and other financial obligations.
Open sourceDutch government: extra mortgage room for energy-saving measures
Use this source for the official explanation that extra borrowing room can apply for energy-saving measures in some cases.
Open sourceNHG: 2026 rules and limits
NHG publishes the 2026 rules, cost limit, and conditions for mortgages with National Mortgage Guarantee.
Open sourceBelastingdienst: annuity or linear repayment
Belastingdienst explains annuity and linear repayment and why this matters for mortgage-interest deduction on loans from 2013 onward.
Open sourceNibud: basis for Dutch mortgage norms
Nibud describes how it advises the government on responsible mortgage lending and yearly mortgage norms.
Open source