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Do you want more security when buying your new home? Then the De NHG (National Mortgage Guarantee) can be a godsend for you!
This is because the NHG is a safety net in case of payment problems and thus gives security to the buyer and mortgage lender. Of course, as always, there are advantages and disadvantages to this, which we will discuss below.
But first, what does an NHG mortgage really mean?
What exactly does the NHG entail?
When you start looking for a (new) house, an exciting but also very fun period in your life begins.
Once you have been able to find a great home you will work with your mortgage broker to find the perfect mortgage.
Do you want extra security in that? Then you can opt for a mortgage with NHG, which helps you in case of money shortage and whether this guarantee can be interesting for you.
Because when you have to sell your home through no fault of your own, leaving you with a debt, the NHG waives it in almost all cases.
Because of this security, which therefore also applies to the mortgage lender, mortgage lenders often offer a mortgage with NHG at favorable mortgage rates.
Benefit: Anything can happen to make it difficult to meet your monthly mortgage payments.
For example, because you lose your job unexpectedly, become disabled or your relationship breaks down.
If you then have to sell your home, the Home Ownership Guarantee Fund (WEW) will, under certain conditions, ensure repayment of your mortgage to the mortgage lender.
In addition, a mortgage with NHG also provides financial benefits. Namely, you get a discount on your mortgage interest and this can save a lot in your monthly expenses.
Benefit: What we don’t hope for, of course, but should it come to that and your house actually has to be sold, you will have to be able to prove when you eventually sell your home that you did everything possible to keep the residual debt as low as possible
It is also important that your home is in good condition and you should try to sell it for as high a price as possible.
When you sell, your mortgage lender submits a “loss declaration”, after which the WEW assesses whether you are entitled to remission. It is good to know that in times of great stress in your private life, you do not have to worry about debts and thus serious money problems.
Downside: Caution! You’re not entitled to forgiveness of your residual debt if you want to move because your housing needs have changed, you can no longer afford the mortgage payments because you’ve taken out other loans, or if you’ve been summarily fired.
When do you qualify for the National Mortgage Guarantee?
Downside: Unfortunately, not everyone qualifies for an NHG.
If you want to limit your financial risks, it is useful to take out a mortgage with NHG. This can be done when buying a house, but also when remodeling.
However, there is a maximum amount attached to this guarantee, called the NHG limit.
In 2025, the NHG limit will be €450,000. This means that the maximum amount of your mortgage may be €450,000 to qualify for an NHG. This also applies to a value-increasing renovation.
Your (existing) mortgage plus the remodeling loan should not exceed this limit.
Benefit: If you also want to co-finance energy-saving measures, you can borrow up to €477,000 with NHG in 2025.
If so, the extra amount must be put entirely into energy-saving measures. It is likely that due to ever-rising house prices, the NHG will increase again in 2026. Exactly what the limit will be then is not known at this time.
Cost of NHG mortgage
Disadvantage: To take out a mortgage with NHG, you pay a one-time additional fee.
These costs are called “bailment fees. In 2025, you will pay 0.4% of the mortgage amount to use the National Mortgage Guarantee.
You pay this so that the WEW acts as guarantor. In return, you often get a lower interest rate. In addition, you can deduct certain mortgage closing costs on your tax return. The bail commission of 0.4% is also deductible, so the net cost is lower.
Opportunities for seniors
Benefit: Are you over the age of 57? And do you want to sell your home and live smaller? A smaller home with a lower mortgage probably means lower monthly expenses. But stricter financing standards for seniors can make it difficult to get a new mortgage.
In fact, NHG offers additional options for people 57 and older. In fact, NHG looks at your actual monthly expenses and takes into account your income that is already secure after retirement.
Based on your personal situation, NHG assesses whether the new mortgage is justified. And will that new, smaller home, perhaps become feasible.
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