Entering the housing market for the first time comes with many decisions. One important option to consider is the Nationale Hypotheek Garantie (NHG) – the Dutch national mortgage guarantee. In 2025, NHG offers even more value for first-time buyers. Here are five key reasons why choosing NHG can be a smart move:

1. Extra Financial Security

NHG provides a safety net in case of unexpected life events like job loss, disability, or divorce. If you’re forced to sell your home and the proceeds don’t cover the outstanding mortgage, NHG may cover the      remaining debt. This gives peace of mind when life takes an unexpected turn.

2. Lower Mortgage Rates

Because NHG reduces the lender’s risk, most banks offer a lower interest rate on mortgages with NHG. Over the full mortgage term, this can lead to significant savings, making your monthly payments more manageable.

3. Finance More Than Just the Home

NHG covers not only the purchase price of your new home but also certain additional costs, such as:

• Notary fees
• Transfer tax
• Energy-saving renovations

This means you can finance a larger portion of your total home-buying expenses, reducing the need for extra savings.

4. Safe and Responsible Borrowing

NHG mortgages follow strict lending criteria, which helps you avoid borrowing more than you can realistically afford. This reduces financial stress and encourages long-term stability.

5. Possibility of Debt Forgiveness

In serious cases of financial hardship, such as a forced sale, NHG may forgive part of the residual debt – provided you’ve acted in good faith. This can help you move forward without long-term financial consequences.

NHG Limit and Costs in 2025

In 2025, the maximum NHG limit is €435,000 (or up to €461,100 if you invest in energy-saving measures).
For this guarantee, you pay a one-time fee of 0.6% of the mortgage amount. This cost is tax-deductible.

Need Advice?

Want to know if NHG is the right choice for you?
Contact us – we’re happy to answer your questions and help you make the best financial decisions as a first-time homebuyer.

Tel: +31621227373
Email: info@homefinancials.nl