National Mortgage Guarantee
An extra safety net if you can no longer pay your mortgage, with the NHG limit for 2026 and 2027.
The National Mortgage Guarantee (Nationale Hypotheek Garantie, NHG) gives you, under conditions, an extra safety net if certain circumstances mean you can no longer pay your mortgage. With many lenders, a mortgage with NHG can also mean a lower interest rate.
NHG limit 2026
In 2026 the NHG cost limit is € 470,000. When energy-saving measures that qualify are financed, the limit can rise to € 498,200. The additional amount must be spent on those energy-saving measures. The one-off guarantee fee in 2026 is 0.4% of the mortgage amount.
From 1 January 2027
From 1 January 2027 the NHG cost limit is € 500,000. With qualifying energy-saving measures it can rise to € 530,000. The guarantee fee remains 0.4%.
You can read more about NHG on the NHG page of our head office (in Dutch).
Want to talk through your situation?
Feel free to call for an appointment. You are welcome at our office at Industrieweg 10 in Harderwijk, or we can meet online via Microsoft Teams.