NHG limit raised to € 450.000,- and lower commission of 0.4%.
From 2025, the maximum mortgage with National Mortgage Guarantee (NHG) will be increased to €450.000,-. In 2023, this amount stood at € 405.000,- and in 2024 at € 435.000,-. The increase in 2025 provides additional protection when taking out a mortgage. In addition, the bail commission will be reduced: from 1 January 2025, you will only pay 0.4% of the mortgage amount instead of 0.6%.
Example:
For a purchase amount of € 430,000, the bail commission drops from € 2.580,- to € 1.720,-.
More about the guarantee commission
Extra borrowing capacity for sustainability measures
Want to invest in energy-saving measures? With Energy Saving Provisions, the NHG limit will be raised to € 477.000,- in 2025, making sustainability more attractive.
Starter exemption transfer tax up
The starter exemption for transfer tax will also be widened in 2025. Starters will pay no transfer tax when buying their first home up to € 525.000,- provided they meet the conditions. The specific conditions can be found on the Tax Administration's website.
