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.

Our happy clients

We focus on delivering great results — and our clients’ feedback tells the rest of the story.

5/5 based on 194 reviews

We had a great experience throughout our mortgage process. Toni was very helpful and professional during the initial intake, while Luc provided excellent guidance and support throughout the rest of the process. Both were friendly, knowledgeable, and responsive, making everything clear, easy, and smooth. Thank you both for your excellent service! Highly recommended!

Oussama Beltaif

08-11-2026

Bart was the first financial advisor we contacted on a friend’s recommendation, and right after our initial orientation, we knew we didn't need to look any further. Now that we have successfully purchased our first home, we can’t thank Bart enough for the huge role he played in making it happen. As first-time buyers, the process can feel overwhelming, but Bart was a true professional from start to finish. He explained every single step with great clarity, evaluated our documents promptly, and patiently answered our endless stream of questions. His proactive support during the bidding phase also made a massive difference. Bottom line, he possess excellent knowledge about his work. A sincere thank you to Bart, we couldn't have asked for a better advisor and wholeheartedly recommend him to anyone looking to buy a home!

Neel Kamal Bharadwaj

07-11-2026

Excellent service from start to finish. Friendly, responsive, and always willing to help. All required paperwork was handled on time, and any questions were answered quickly by email. I particularly appreciated the extra effort in checking and assisting with documents beyond the agreed scope. His support made the whole mortgage process clear and stress-free. Highly recommended!

Leyli Alakbarli

26-09-2026

A fantastic service from Toni and the whole team at OHAO. I would strongly recommend them. As first-time buyers, we had a lot of questions and a slightly complex mortgage application, but Toni guided us through the process brilliantly. Everything was communicated clearly and in a timely manner, and he was always quick to respond and happy to explain things. We were recommended OHAO by a colleague who had a great experience with them, and we’re very happy we followed their recommendation. Excellent service from start to finish!

Hasara Dinushika

07-09-2026

Very satisfied with my experience with OHAO. From the very first conversation with Toni van der Flier, everything was explained clearly, and I felt well guided throughout the entire mortgage process. Communication was pleasant and straightforward, questions were answered quickly, and I always knew where things stood. During Toni’s absence, Bart Kooijman took over my case, and that transition also went very smoothly. I’m very happy with the support I received from both Toni and Bart, and I would definitely recommend OHAO to colleagues, friends, and family.

remi autar

31-08-2026

I would like to express my appreciation for the excellent service I received from OHAO during my renovation mortgage application. This was the second time I used OHAO’s advisory services for a mortgage application. The process was quite challenging, and it is difficult to fully describe the complexity of the application in a review. However, thanks to the expertise, dedication, and professionalism of my advisor, Bart, I was able to successfully obtain the mortgage. In fact, the outcome exceeded my expectations. I am extremely grateful for the guidance and support provided throughout the entire process. Millions of thanks to Bart and the OHAO team for the outstanding service and commitment to their customers.

mehdi khamseh

31-07-2026

Book a free consultation with our team

Do you need help arranging a new construction mortgage? Our expert team, trusted by expats for over 10 years, delivers 5-star service, transparent advice, and competitive fees to make your mortgage application process for new construction simple and affordable.

Robin Uijtdehaage

Mortgage Advisor

Luc Zwaan

Mortgage Advisor

Bart Kooijman

Mortgage Advisor

Toni van der Flier

Mortgage Advisor