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Van Loon would like to inform you that the upper limit for the National Mortgage Guarantee (NHG) for 2025 has been set at €450,000. This new limit offers you the opportunity to finance a higher amount under the NHG conditions. If you want to take energy-saving measures, the limit is even slightly higher at €477,000. This is intended to encourage buyers of a home for sale to make sustainable investments in their home financing.
Good news is that the one-off closing premium for the NHG will decrease from 0.6% to 0.4% by 2025. For a mortgage of €450,000, this means that you will not pay €2,700 more, but only €1,800. This is a savings of up to €900, making the NHG more attractive for starters and middle-income families, for example. “This reduction in the closing premium is a beneficial step for many homebuyers who want to borrow financially responsibly,” says XX, Van Loon's advisor. “It lowers the threshold for buyers of a home for sale and offers extra space for investments in energy-saving measures.”
There are different NHG limits for caravans and trailer parks. These are adjusted each year based on the Consumer Price Index (CPI). In 2025, the NHG limit for a caravan will be €172,000 and €182,320 if you want to achieve energy-saving facilities. The limit for a location is set at €61,000.
The government strives to build 100,000 new homes for sale annually, two thirds of which are affordable homes for sale. In 2025, the limit for affordable owner-occupied homes will be €405,000, a small increase compared to €390,000 in 2024. This adjustment is based on the annual price indexation.
A mortgage with NHG offers you better protection and fewer financial risks when buying a home. In addition to benefiting from a lower interest rate, NHG offers a safety net in case of drastic personal situations such as divorce or disability. This gives you access to a responsible mortgage, with more certainty for the future.
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