The more energy-efficient a property, the more you can borrow to buy it. In 2026, the maximum mortgage you can get depends on the energy label of the property you’re buying. The borrowing capacity for buyers of a home with energy label E, F, or G is decreasing. When you buy an energy-efficient property, you can borrow extra on a mortgage.
Additionally, when buying a property with energy label A++ or lower, you can borrow an additional amount to make your current home more energy-efficient. How much you can borrow additionally partly depends on your home’s energy label. Given that properties with an energy label E, F, or G require more measures to make them more sustainable, buyers of such properties can borrow a larger additional amount to install energy-saving measures than buyers of properties that are already more energy-efficient.
| Energy label and additional amount you can borrow in 2026 (table) | ||
|---|---|---|
Better energy label = borrow more | Lower energy label = borrow more | |
| + € 40,000 | A++++ with energy performancecertificate | € 0 |
| + € 30,000 | A++++ | € 0 |
| + € 25,000 | A+++ | € 0 |
| + € 20,000 | A+ / A++ | + € 10,000 |
| + € 10,000 | A / B | + € 10,000 |
| + € 5,000 | C / D | + € 15,000 |
| € 0 | E / F / G | + € 20,000 |
| € 0 | No energy label | + € 10,000 |
If you’re planning to make your home more sustainable, you can borrow more in order to do so. It doesn’t matter whether you’re buying a home or already own one. These are the additional mortgage amounts you can potentially receive:
We put the money in a sustainability deposit account (verduurzamingsdepot). You can use the money to pay for the following energy-saving measures, either individually or combined:
If you're not quite sure what energy-efficiency measures to go for, or you haven’t selected a provider yet, you can postpone the decision for now. You don’t necessarily need to submit a plan with finalised quotes when negotiating a mortgage for energy-saving measures. You can get a sustainability deposit account by simply presenting a plan of provisional measures and a provisional estimate of the costs. This is also known as the ‘energy-saving budget’ (Energiebespaarbudget). We check the invoices and whether the money really will make your home more energy-efficient. Ask your adviser about your options.
"},"textLinks":[{"url":"/en/personal/mortgage/your-mortgage/building-fund-account","text":"Read more about sustainability deposit accounts"}]},{"componentType":"sectionTitle","title":"Before you make your home more sustainable: go over your situation"},{"componentType":"paragraph","richBody":{"value":"About to buy an energy-efficient property or want to make your home more sustainable? First make an appointment for a free, exploratory consultation with an ING mortgage adviser, or with your own independent mortgage adviser. They know best what’s possible and right for your situation.
"},"textLinks":[{"url":"/en/personal/mortgage/mortgage-advice","text":"More about mortgage advice"}]},{"componentType":"cta","textLink":{"url":"/en/personal/mortgage/contact","text":"Make an appointment"}},{"componentType":"sectionTitle","title":"New: The energy label and your mortgage rate"},{"componentType":"paragraph","richBody":{"value":"A property’s energy label has a bearing on our mortgage interest rate. Previously, you could get a sustainability discount if your home had energy label A or better. As of 30 April 2025, the weighting of the energy label has been increased and any energy label can now have an effect on your mortgage rate. It’s important to us that people’s homes are energy-efficient, future-proof and comfortable, and we incentivise that by offering a lower interest rate on mortgages for sustainable homes. Getting a better energy label may be a way to lower the interest rate on your mortgage, either in one go or gradually.
It will be a factor in setting your mortgage rate when you:
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 Dutach 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.
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