New construction mortgage – sustainable living
Are you dreaming of an energy-efficient home that saves you money each month? New construction properties often come with lower energy bills and reduced closing costs—but arranging a mortgage can seem more complicated than it is. At OHAO, our mortgage experts make it simple, guiding you every step of the way.
How can I finance a new construction property in the Netherlands?
While the mortgage application process for new construction properties is similar to that for previously owned properties, the overall homebuying process have some key differences.
You can borrow up to 100% of the loan-to-value (LTV) ratio to finance a new construction property in the Netherlands. This amount covers the purchase price, construction costs, and any additional work specified in your contract.
Your maximum mortgage for new construction is determined by your basic income, holiday pay, interest rates and fixed or variable interest periods, debts, and the market value of the property, which is based on the purchase or contract price including land, construction, and any additional work.
Some banks offer discounted interest rates to encourage people to choose or upgrade their properties for sustainable living. You can use our tool to check current mortgage interest rates.
If you are considering a mortgage with the National Mortgage Guarantee (NHG), you can borrow up to €450,000 for homes with a purchase price up to €450,000. This limit increases to €477,000 if you plan to implement energy-saving measures in your new home.
Get help from the OHAO team to secure a mortgage for a new-construction home
Financing your new construction doesn’t have to be confusing. That’s why we’re here — to simplify the process. Schedule a free, no-obligation consultation with our expert mortgage specialists.
During the consultation, we guide you and explain when to apply for your construction mortgage, how the building deposit (Bouwdepot) works, and what interest you might lose during construction.
Do you want to know how much you save when buying a new construction property? Schedule a no-obligation call with us.
- Competitive advisory fees from €2,795
- Expat mortage experts
- Clear, fast, and personal guidance
What to expect when buying a new construction property?
When you buy a new construction property, there’s usually a waiting period until the home is completed. During this time, you do not start paying your full mortgage yet, but you may need to pay construction interest (bouwrente) on the funds that have been released from your building deposit (bouwdepot).
New construction mortgages often include a bouwdepot — a special fund that releases money in stages as construction progresses, so you do not pay the full amount upfront.
When buying new construction property, you do not pay the 2% transfer tax that applies to existing homes.
You usually have to wait months, or even over a year, to move in since the home is still being built. During this time, you need to cover double payments: your current rent and construction interest (bouwrente) on the mortgage funds. If these extra costs apply to you, you can sometimes co-finance them through your mortgage, depending on your borrowing capacity.
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