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1 jan 2026: NHG limit to €470,000

Legislative change as of 01-01-2026

As of 1 January 2026, the NHG limit will be increased to €470,000. The current NHG limit in 2025 is €450,000. For mortgages that include financing for additional energy-saving measures, the NHG limit in 2026 will be 6% higher, amounting to €498,200. This was €477,000 in 2025. This increase further expands the scope of the Nationale Hypotheek Garantie and ensures that an NHG-backed mortgage remains accessible to a broad group of homebuyers. The fee payable when taking out an NHG mortgage remains unchanged in 2026 at 0.4% of the mortgage amount.

Binding offer
The date of the binding offer is decisive for NHG. If the lender’s binding offer is issued after 1 January of a given year, the “Terms and Conditions” (including the cost limit and the guarantee fee) of the year in which the binding offer is issued will apply.