Sustainable Mortgages in the Netherlands
Sustainable Mortgages in the Netherlands
Sustainable mortgages, also known as 'green mortgages', are becoming increasingly popular with people obtaining mortgages in the Netherlands. This particular type of mortgage offers interest rate discounts to homeowners of energy-efficient homes, thus encouraging sustainable living.
When comparing different mortgage types, a sustainable mortgage can be combined with either an annuity or linear structure, giving you flexibility in repayment while benefiting from sustainability discounts.
Discount on Mortgage Interest
With a sustainable mortgage, some banks reward homeowners with a discount on mortgage interest when they buy a sustainable home or make their existing home more sustainable. The more energy-efficient the home, the higher the sustainability discount can be. This discount applies not only to new construction but also to existing homes that become more sustainable.
The sustainable mortgage is currently available from several banks, including ASR, ABN AMRO, ASN, Florius, Hypotheken, Fortis, and Rabobank. It is also possible to finance sustainability measures with a sustainable mortgage from these sustainable banks, such as the National Heat Funds Energy Savings Loan and Sustainability Loan from several municipalities.
Sustainable Mortgage for Insulation
ISDE Subsidy
Do you have plans to insulate your home? With the ISDE subsidy, you can get a tax return at that point. The maximum subsidy is a fixed amount per square meter. You have an extra advantage if you have 2 or more measures carried out. This means more and higher subsidies.
Subsidy Details
The ISDE subsidy is a subsidy from the national government. You can get a subsidy for one measure or several measures. You only get a subsidy if you have the work done by a company that is listed in the ISDE register.
Sustainable Mortgage for a Heat Pump
You can get a subsidy if you buy a heat pump. The amount of the ISDE subsidy depends on the type of heat pump and its capacity. This makes sustainable heating home more attractive.
Subsidy amounts:
- For an outdoor hybrid heat pump: between €1,950 and 3,000
- For a tall air/water heat pump: €3,950
- For a ground-source heat pump: the subsidy starts at €3,750 and goes up to 3,100
Other Possible Subsidies
Besides subsidies for heat pump and insulation, it is also possible to apply for subsidies for:
- Solar panels
- Connection to heat networks
- A pellet stove
- Boiler installation
A sustainable mortgage offers benefits for the environment and incentives for homeowners to choose energy-efficient homes or invest in making their current home more sustainable.
Combining Sustainable Mortgages with Other Benefits
When planning your sustainable mortgage, consider:
- Mortgage interest deduction - The interest on sustainability improvements may be tax-deductible
- Maximum mortgage calculation - Sustainable improvements can increase your borrowing capacity up to 106% of property value
- Energy label upgrades - Higher energy labels can result in better interest rates
Getting Started with a Sustainable Mortgage
Check Your Home's Energy Label
Determine your current energy efficiency to understand potential discounts and improvement opportunities.
Calculate Your Maximum Mortgage
Find out how much you can borrow, including financing for sustainability measures.
Choose Your Mortgage Type
Decide between an annuity or linear mortgage structure combined with sustainable benefits.
Consult a Mortgage Advisor
Work with an expert who can guide you through the mortgage process and sustainability options.
Frequently Asked Questions
Several major banks offer sustainable mortgages in the Netherlands, including ASR, ABN AMRO, ASN, Florius, Hypotheken, Fortis, and Rabobank. Each bank has different criteria and discount rates. A mortgage advisor can help you compare options.
Interest rate discounts typically range from 0.1% to 0.5%, depending on your home's energy efficiency. The higher your energy label, the greater the potential discount. This can save thousands of euros over the mortgage term.
Yes, you can borrow up to 106% of your property's value to finance sustainability improvements like insulation, heat pumps, and solar panels. Learn more about calculating your maximum mortgage.
Yes, interest paid on loans for sustainability improvements may be eligible for mortgage interest deduction. Additionally, you may qualify for government subsidies like the ISDE.
Absolutely! Sustainable mortgages can be combined with various mortgage types, including linear and annuity structures, giving you flexibility in repayment while benefiting from green discounts.
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