In 2023 you have the option to buy a house in the Netherlands for up to € 405,000 with a guarantee from the National Mortgage Guarantee (NHG). When you combine the purchase of your house with extensive energy investments so that the house becomes more sustainable, this amount can rise to € 429,300.

This means that the interest on your mortgage is lower because the NHG rate normally hits the loan to value rates < 55%, even if you finance 100%.