When purchasing a home, you can choose a mortgage with the Dutch National Mortgage Guarantee (NHG). This ensures that the Dutch Homeownership Guarantee Fund (Stichting Waarborgfonds Eigen Woningen) backs your mortgage and reduces the risk in case of financial difficulties, such as job loss, disability, or a decrease in income. Good to know that the NHG mortgage in 2025 is €450,000.

What is the NHG mortgage?

NHG or Nationale Hypotheek Garantie or National Mortgage Guarantee is a unique Dutch system that aims to protect you and your mortgage lender. The Dutch Government backs the scheme and intends to help homebuyers get a mortgage more quickly. This was introduced in 1993 to reduce the risk of taking out a mortgage and to make homes more affordable.

With NHG, the risk is partly covered, enabling lenders to offer a lower interest rate. When you buy a house in the Netherlands, you can choose the safety net provided by NHG. The NHG safety net covers your mortgage if you can’t afford your monthly payments.

When you participate in the NHG scheme, you can make sure that your income will match your mortgage. A drawback is that this only applies to mortgages under a certain threshold, which many properties in larger cities exceed. The other option is a conventional mortgage guaranteed by a banking institution.

What are the NHG requirements?

The property price is no more than € 450,000 in 2025 or 100% of the value of the property. The rule applies to both: existing and newly built properties.

Why do I need coverage of NHG?

Imagine a scenario where you lose your job or your partner passes away. Your entire life will be upside down, and everything will change. It can take months to rebalance your finances. If you are not able to make your monthly payments but you have the NHG-protected mortgage, you can ask for help. Your mortgage lender and NHG will assess your situation and come up with a financial solution. In this case, you will be able to keep your property and avoid losses when selling it.

NHG protects you if you:

lose your job.
get a divorce.
are not able to work due to disability.
(or your partner) passes away.

How much does NHG cost in the Netherlands?

There’s a one-time fee of 0.4% of your mortgage amount. Let's say you plan to borrow €390,000, so your NHG (Dutch National Mortgage Guarantee) fee will be €1,560.

Would you like to check if you qualify for an NHG mortgage in the Netherlands? Schedule a free call with our mortgage advisors—we are here to help!

Are you planning to buy a home with NHG?

Schedule a complimentary introductory call with our mortgage specialists. We specialize in mortgages for expats and are dedicated to navigating you through the home-buying process.