First-time buyer mortgage with NHG in 2026 and 2027: what you need to know

This article, written by Toni our mortgage advisor at OHAO and explains how an NHG mortgage works, its key benefits such as lower interest rates and financial protection, and the latest NHG limits and requirements for 2026 and 2027. Whether you’re a first-time buyer or planning energy-efficient upgrades, Toni helps you understand how NHG can make your home purchase more secure.

What is a NHG mortgage?

The National Mortgage Guarantee (NHG) is a government-backed program in the Netherlands that offers financial protection for borrowers and lenders.

It helps first-time homebuyers by providing a discounted mortgage rate and safeguards in case of unforeseen events like unemployment, disability, death, or divorce. If you meet the eligibility criteria, an NHG mortgage can be a smart and secure option when buying your first home.

What are the key benefits of an NHG mortgage?

• Lower interest rates: NHG-backed mortgages often come with lower interest rates—as much as 0.5% which saves you in the long term.

• Financial protection: NHG protects you from residual debt in case of a forced sale, making it easier for you to manage unexpected financial situations.

• Protection from life events: NHG protects you from mortgage payment difficulties in case of unemployment, death, divorce or disability.

NHG limit in 2026 and 2027: what’s new?

In 2026, the NHG limit is set at €470,000 for homes without energy-saving measures. However, if you make energy-efficient upgrades to your property, this limit can rise to €498,200. From 1 January 2027, the limits rise to €500,000 and €530,000. This limit ensures that more homebuyers can take advantage of the financial protection NHG offers, while also promoting sustainability.

Read more about the NHG limit in 2027.

What are the NHG requirements?

To qualify for an NHG mortgage, you need to meet the following criteria:

• Primary residence: NHG applies only to your main home. It is not available for second or rental properties.

• Maximum property value: the total property cost (including purchase price, renovation costs, and transaction fees) must not exceed €470,000 in 2026, or €500,000 in 2027. For homes with energy-efficient measures, this limit increases to €498,200 in 2026 and €530,000 in 2027. View the NHG requirements for 2026 here.

• Renovations: NHG applies to renovations as long as the mortgage amount remains within the NHG limit.

How much does NHG cost?

To take out an NHG-backed mortgage, you pay a one-time premium. In 2026 and 2027, this premium is 0.4% of the mortgage amount. For example, if your mortgage is €445,000, the NHG premium of 0.4% means you will pay a one-time fee of €1,780.

The NHG fee is tax-deductible in the Netherlands, so you can get some money back when you file your tax return.

What are 4 situations where NHG offers protection?

• NHG protects you if you lose your job and can no longer make your mortgage payments.

• NHG offers support if you go through a divorce and face financial difficulties with your mortgage.

• NHG provides protection if you become unable to work due to disability.

• NHG helps if you or your partner pass away, easing the financial burden of the mortgage.

What is the disadvantage of NHG mortgage?

The NHG limit is €470,000 in 2026, or €498,200 for energy-efficient homes, and rises to €500,000 and €530,000 in 2027. If your total property cost exceeds this limit, you won’t qualify for NHG protection. This restricts the range of homes eligible for NHG, especially when prices are increasing.