Sustainable mortgages in the Netherlands: save money, live greener

Do you know that upgrading your property's energy efficiency can lower your monthly bills — and, if you are planning sustainable improvements, you can qualify for a discounted mortgage rate? Our team helps you to increase your mortgage to make sustainable changes.

What is a sustainable mortgage in the Netherlands?

A sustainable mortgage helps homeowners finance energy-efficient and eco-friendly home improvements, including external wall, roof, and floor insulation; high-efficiency glazing (HR++); pipe insulation; energy-efficient window frames and doors; heat pumps; solar panels; heat recovery ventilation systems; and energy-efficient ventilation.

All these energy-efficiency measures not only save money and enhance comfort but also increase your home’s value and contribute to a greener, more environmentally responsible lifestyle.

Are you looking to make your home more sustainable? Let the OHAO team help you

Do you want to make your home more sustainable but aren’t sure which upgrades are worth it? Would you like to know if you can increase your mortgage to finance these improvements or explore other options available to you? Contact our OHAO mortgage advisors—tell us your questions, and we will help you find the answers and guide you through the best solutions for your home.

Competitive advisory fees from €2.495
Expat mortage experts
Clear, fast, and personal guidance

What are the benefits of a sustainable mortgage?

Lower energy bills: sustainable energy upgrades, such as insulation, solar panels, and energy-efficient heating systems, save money on energy costs resulting in reduced monthly expenses.
Increased home value: there is no doubt that sustainable home improvements increase the value of a property. Homebuyers are often willing to pay more for homes with a good energy label, which means lower monthly energy costs compared with properties that have lower labels, such as F or G. In addition, new regulations implemented by the Dutch government affect how energy labels impact your maximum mortgage.
Discounted interest rates: Dutch mortgage lenders aim to promote sustainable living by offering discounted mortgage interest rates. For example, some lenders provide the following discounts: ABN AMRO , ING , Rabobank , and Obvion.

Our happy clients

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

5/5 based on 193 reviews

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

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

Very happy with the OHAO services. My advisor, Luc Zwaan, has been very helpful every step of the way and promptly answered all my questions. The final report that they sent over, outlining the details of my mortgage, was clear and summarized all the details, giving me clarity. Highly recommended!

Fotis Papadopoulos

21-06-2026

This is the second time I have used OHAO for my mortgage needs, and once again I had an excellent experience working with Luc. Luc is highly professional, knowledgeable, and genuinely cares about finding the best solution for his clients. Throughout the entire process, he provided clear and honest advice, kept me informed at every step, and was always available via email or call whenever I had questions. His responses were always quick, and he made what can be a complicated process feel straightforward and stress-free. What I appreciate most is that Luc takes the time to explain everything in detail and ensures you fully understand your options before making any decisions. His expertise, reliability, and dedication gave me confidence from start to finish. I would highly recommend Luc and the OHAO team to anyone looking for mortgage advice. Their service is professional, efficient, and customer-focused. I wouldn't hesitate to work with them again in the future.

Malik

01-06-2026

Book a free consultation with our team

Our expert team, trusted by expats for over 10+ years, delivers 5-star service, transparent advice, and competitive fees to make moving homes simple and affordable.

Bart Kooijman

Mortgage Advisor

Luc Zwaan

Mortgage Advisor

Toni van der Flier

Mortgage Advisor

Robin Uijtdehaage

Mortgage Advisor