NHG is a guarantee from the government that gives you extra peace of mind when taking out a mortgage. In short:
A mortgage with NHG includes the following benefits:
Below are a few downsides of the Dutch National Mortgage Guarantee:
Not sure about a mortgage with NHG? Feel free to ask all your questions during a free mortgage orientation meeting.
"}}]},{"componentType":"sectionTitle","title":"Dutch National Mortgage Guarantee: limit"},{"componentType":"paragraph","richBody":{"value":"From 1 January 2025, the upper limit for a mortgage with NHG is €470,000. This amount includes notary fees, any renovation costs and other costs.
If you opt for energy-saving measures, i.e. if you will be making sustainable home improvements after your purchase, you can borrow up to €498,200, provided that you spend the whole extra amount on those measures.
"}},{"componentType":"sectionTitle","title":"Dutch National Mortgage Guarantee conditions"},{"componentType":"paragraph","richBody":{"value":"Apart from the upper limit, there are a few other important conditions. These include:
Tip: Arrange a free mortgage orientation meeting to discuss what you need to bear in mind when opting for the NHG.
"}},{"componentType":"sectionTitle","title":"Dutch National Mortgage Guarantee fee"},{"componentType":"paragraph","richBody":{"value":"You pay a one-off fee for an NHG mortgage, also known as the ‘mortgage guarantee fee’. This is a percentage of the amount you borrow on your mortgage.
In 2026, the mortgage guarantee fee is 0.4% of the amount you borrow on your mortgage.
"}},{"componentType":"accordion","accordionList":[{"title":"Calculation example: NHG fee","richBody":{"value":"Here’s a calculation example:
Good to know: we will arrange for this amount to be paid to the foundation that runs the scheme when you opt for a mortgage with NHG. You pay it to your notary as part of the buyer’s costs and don’t need to do anything else after that.
"}},{"title":"Is the NHG fee tax-deductible?","richBody":{"value":"Yes, your NHG fee (also known as the Dutch mortgage guarantee fee) is tax-deductible under certain conditions.
"}}]},{"componentType":"sectionTitle","title":"Frequently asked questions"},{"componentType":"accordion","accordionList":[{"title":"Can I refinance my mortgage to NHG?","richBody":{"value":"Yes, if you have a mortgage with an NHG, you can remortgage to an ING mortgage. In 2026 you can do this for a mortgage of up to €470,000.
Use the free test to discover whether remortgaging could be interesting for you.
"},"textLinks":[{"url":"https://www.ing.nl/particulier/hypotheek/oversluiten","text":"Refinancing a mortgage: what & how"}]},{"title":"How do I apply for the NHG?","richBody":{"value":"If you opt for a mortgage with NHG with us, we will take care of paying your 0.4% mortgage guarantee fee to the foundation that runs the scheme. You do not have to do anything else.
"}},{"title":"Can I take out an NHG mortgage if I don’t have a permanent employment contract?","richBody":{"value":"Yes, you can take out a mortgage with NHG if you don’t (yet) have a permanent employment contract.
"}},{"title":"What happens if my remaining debt is cancelled?","richBody":{"value":"If your situation meets the NHG conditions, the Stichting Waarborgfonds Eigen Woning foundation will pay off the remaining debt to ING.
"}}]},{"componentType":"linkList","iconTitle":{"title":"More about"},"textLinks":[{"url":"https://www.nhg.nl/","text":"NHG website (Dutch)"},{"url":"/en/personal/mortgage/your-mortgage/can-not-pay-your-mortgage","text":"Difficulties paying your mortgage"}]}]},"legalZone":{"flexComponents":[{"componentType":"paragraph","title":"Good to know","richBody":{"value":"The English text of the website is a translation of the Dutch original version. This translation is intended for the customers convenience only. In case of any discrepancies between the two versions, the original Dutch version shall prevail. The mortgage offer and contract will be signed in Dutch. Also, all further communication after signing the mortgage contract will be in Dutch. You acknowledge and accept this. If any assistance or clarification is needed, we recommend contacting your mortgage advisor or to call our customer service via the ING app.
"}}]}}}