The recent energy crisis has served as a potent wake-up call, urging homeowners to reevaluate their housing energy situation. In this article, Egle Kemezyte from Mister Mortgage explains how your energy label will affect your Dutch mortgage in 2024.

In reaction to the energy crisis, the Dutch government plans to adopt more sustainable practices among homeowners. Currently, the government is developing a proposal that could significantly elevate the importance of energy labels in determining the maximum mortgage available to individuals.

When the government implements the changes starting as of January 1, 2024, homeowners with a higher energy label (A being the highest and F being the lowest) can borrow more. In contrast, existing homeowners with lower energy labels will be able to borrow extra to make sustainable changes.

This article summarises the potential changes for those who own a home or plan to buy a new property soon.

Borrowing extra to make sustainable changesAs previously mentioned, the Dutch government aims to encourage homeowners to make their homes more sustainable. For this reason, they are striving to implement new regulations that allow you to borrow extra money if you already own a home and want to upgrade your energy label.

Higher mortgages for a better energy labelBesides, homebuyers will be able to secure a higher mortgage if they purchase an energy-efficient home. This modification also seeks to incentivise home sellers to increase their investments in enhancing home-efficiency while motivating buyers to prioritise sustainable choices.

Consider a newly-built propertyOpting for a newly constructed property is another way to secure a mortgage and achieve the most sustainable result. The most significant advantage of purchasing a newly built property is a high-energy label, ranging from A to A+++++ and up.

These types of homes are crafted with the latest energy-efficient technologies and design principles, ensuring reduced energy consumption, lower monthly bills and a smaller environmental footprint.

Discounted mortgage interest ratesFurthermore, many Dutch mortgage providers also want to encourage sustainable homeownership. To achieve this, mortgage lenders will provide reduced interest rates for energy-efficient homes. Typically, homeowners can anticipate up to a 0,15% reduction in their mortgage interest rates.

For example, the following mortgage lenders offer special rates for energy-efficient homes: 

Mortgage provider Interest discount Rabobank 0,10% ABN AMRO 0,15% Triodos Bank 0,20% ASN Bank 0,10% Vista 0,05%

Florius 0,10% Obvion 0,05% WoonNu 0,15% By taking out a mortgage with a provider offering a discount, you can save more money on your mortgage in the long run.

The benefits of owning an energy-efficient homeIf you are not convinced by a reduced mortgage interest rate, there are several other reasons to invest in a more sustainable home:

Contribute to environmental preservation by curbing greenhouse gas emissions. Increase the value of your property. Decrease your monthly bill expenses. Research shows that energy-efficient homes increase more in value. Speed up the process of selling your property. Sustainability starts at homeThere are many benefits to owning an energy-efficient home in the Netherlands. In the long run, a high energy label can lower your overall costs and help the environment.

Do you have questions about applying for a Dutch mortgage or planning for your financial future? The team at Mister Mortgage are experienced specialists who are on hand to help. You can reach them by phone at +31 20 210 1074 or by email at [email protected] for assistance.


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