Mortgage rules 2026: What changes for homebuyers in the Netherlands?
From 1 January 2026, several Dutch mortgage regulations will change. These updates affect how much you can borrow, which properties qualify for NHG (National Mortgage Guarantee), and how much financing space is available for energy-efficiency improvements. Below we explain the key changes in clear, simple terms.
More borrowing capacity as incomes rise
Because average salaries are expected to increase, many households will gain slightly more borrowing power in 2026. For many income groups, this means the maximum mortgage amount can rise modestly. The exact borrowing capacity still depends on your income, current interest rates, and your personal situation. In some cases the borrowing limit may even decrease, for example if your income stays the same while interest rates rise. The impact can vary significantly between households.
NHG limit increases
The NHG (National Mortgage Guarantee) limit will rise to € 470,000 in 2026. This brings more properties within reach for buyers who want extra financial security and access to lower interest rates. If you also finance energy-saving measures, the limit is slightly higher. Another important update is that from 2026 one uniform NHG limit applies to all property types, including tiny houses, houseboats, mobile homes, and other non-standard properties.
Borrowing space for sustainability changes
Homebuyers can still receive additional borrowing space for sustainability upgrades, such as insulation or solar panels. However, the extra borrowing allowance for properties with the highest energy labels will be reduced, because the financial benefits of certain measures, such as solar panels, are less predictable than in previous years. For most homes, sustainability investments remain a practical way to increase borrowing capacity while also lowering monthly costs.
Curious what these changes mean for your own situation? Easily calculate your maximum mortgage or book a free consultation with one of our advisors. That way you know exactly where you stand before you make an offer.
