Property
Netherlands — Property: Mortgage Availability
The NHG mortgage guarantee limit is EUR 470,000 in 2026, or EUR 498,200 with energy-saving measures, and loans generally cannot exceed market value.
Why this matters
Mortgage availability and requirements can significantly impact a relocating individual's ability to purchase a home, and understanding these factors can help them make informed decisions during their relocation.
Key facts
- The NHG limit rises to EUR 470,000 in 2026 from EUR 450,000 in 2025, and to EUR 498,200 with energy-saving measures.
- From 2026 the same NHG limit applies to all housing types.
- The conditions in force are set by the date of the lender binding offer, not the application date.
- The loan generally cannot exceed the home market value, except up to 106% when financing energy-saving measures. Eligibility for foreign nationals was not confirmed here.
Steps
- Step 1: Determine Your Eligibility — To be eligible for a Dutch mortgage, you typically need to have a stable income, a good credit history, and sufficient savings for a down payment. It's essential to check your eligibility before applying for a mortgage.
- Step 2: Choose a Mortgage Product — The Dutch mortgage market offers various products, including fixed-rate and variable-rate mortgages. It's crucial to compare rates and terms to find the best option for your needs.
- Step 3: Apply for a Mortgage — Once you've chosen a mortgage product, you can start the application process. Be prepared to provide extensive documentation, including proof of income, employment history, and identification.