NHG Maximum Limit 2026: What You Need to Know

NHG is a mortgage guarantee that protects both lenders and borrowers. The 2026 maximum limit has been adjusted to reflect housing market conditions.

What Is NHG?

NHG (Nationale Hypotheek Garantie) is a government-backed mortgage guarantee. If you default on an NHG mortgage, the guarantee compensates the lender. This allows more favorable terms for borrowers.

2026 Maximum

The NHG limit in 2026 is €470,000 (€498,200 if energy-saving measures are included in the mortgage), up from €450,000 in 2025. Any mortgage below this limit can potentially qualify for NHG protection, subject to other requirements. Source: nhg.nl.

Advantages of NHG

• Lower mortgage interest rates (typically 0.2-0.5% lower)
• No private mortgage insurance costs
• Easier approval for first-time buyers
• Protection against negative equity if housing market crashes

Eligibility

First-time buyers mostly. Maximum down payment 20%. Owner-occupied homes only. Income within limits. Not for investment properties.

Cost

One-time guarantee premium (borgtochtprovisie) of 0.4% of the loan amount, paid once at closing. Small cost for significant benefits.

Is NHG Worth It?

Yes, for most first-time buyers under the limit. Combine lower rates with easier approval and NHG is valuable protection.

Frequently Asked Questions

What is the NHG limit in 2026? €470,000, or €498,200 if energy-saving measures are financed into the mortgage — up from €450,000 in 2025.

How much does NHG cost? A one-time guarantee premium of 0.4% of the loan amount, paid once at closing.

Can I use NHG for a second home or investment property? No — NHG applies only to owner-occupied primary residences, not investment properties.

Does NHG affect my mortgage interest rate? Yes, mortgages with NHG typically qualify for interest rates 0.2-0.5% lower than non-NHG mortgages.