NHG limit 2026: what NHG is and what's changing

Short answer: NHG (Nationale Hypotheek Garantie) is a safety net that can, under conditions, waive a residual debt after a forced sale, and that lenders often reward with a lower mortgage rate. You can get NHG up to a maximum home value — the cost limit. For 2026 that is set at € 470,000.

What NHG gives you

• Usually an interest discount (the rate with NHG is lower than without).
• A safety net: on a loss-making sale due to e.g. job loss or divorce, the residual debt can be waived.
• You pay a one-off premium (a small percentage of the mortgage).

The limit and energy savings

Buy a home above the cost limit and it falls outside NHG. For energy-saving measures a higher limit often applies. The exact premium and conditions change yearly — check the official NHG site for the current figures.

This is general, factual information — not financial advice. Whether NHG makes sense in your situation is something to discuss with a mortgage adviser.

Sources: NHG.nl (official)