Green Mortgages in the Netherlands: Save Money & Reduce Your Carbon Footprint

A sustainable mortgage provides financial and environmental benefits for homeowners. With lower interest rates, higher loan-to-value ratios, and government subsidies, it’s a smart choice for both your wallet and the planet.

When taking out a mortgage with (and without) NHG, you can immediately mortgage a budget for energy-saving measures. This is possible when purchasing a (new-build) home, refinancing, or increasing the mortgage. You can decide later which measures you want to take.

You can mortgage the measures listed below. You can also mortgage a combination of these measures.

• - Facade insulation, roof insulation, floor insulation, or pipe insulation
• - Energy-efficient ventilation system in combination with other energy-saving measures
• - High-efficiency glazing (HR++, Triple glazing)
• - Energy-efficient doors, frames, and equivalent structural components in combination with high-efficiency glazing (HR++)
• - Heat pump
• - Shower heat recovery system
• - Solar panels

Are you looking for more information about energy conservation and which measures make sense for your home? Check what you can do on Milieu Centraal or hire a qualified energy advisor. On the Stichting Kego website, you can find a certified energy advisor in your area.

If you want to have energy-saving measures installed in your home, it is wise to choose an installation company that has experience with sustainable solutions. This way, you can be sure that the energy-efficient installation is carried out properly and that you benefit optimally from the advantages of the measures. On the Centraal Register Techniek website, you will find various types of installation companies in your area.

A certified energy advisor provides advice on:

• - the best measures for your home
• - subsidies
• - suppliers
• - implementation and coordination of energy-saving measures

These are the most popular measures, with cost estimates:

• - Cavity wall insulation: €800 – €2,600
• - Roof insulation: €2,500 – €10,000
• - High-efficiency double glazing: €2,500 – €6,000
• - Heat pump: €8,000 – €15,000
• - Solar panels: €4,000 – €8,000

The final costs depend on your home type, living area, and the current condition of your house. Therefore, always seek good advice and request multiple quotes.

An energy-efficient home ensures greater living comfort. Energy-saving measures lower your energy bill. Depending on the measure, you save:

• - Insulation: €200 – €800 per year
• - Solar panels: €500 – €1200 per year
• - Heat pump: €300 – €1000 per year

When making homes more sustainable, the value increase is usually greater than the investment. With full insulation, the home value increases by an average of 196% of the cost.

Do you want to sell your home in the future? Buyers find an energy-efficient home much more attractive than a home with a poor energy label.