Energy Labels, NHG and Sustainability in 2026: What You Should Know

In 2026, sustainability plays an even bigger role in the Dutch housing market and it has a direct impact on your mortgage options. For internationals, understanding these rules early makes it much easier to focus your home search and avoid surprises later in the process.

NHG in 2026

The NHG limit now stands at €470,000, or €498,000 when you include sustainability measures. This gives buyers more room to purchase a home responsibly by reducing financial risks for both homeowners and lender.

Energy Performance and Your Mortgage

Homes with strong energy labels can increase your maximum mortgage amount, while less efficient homes may limit your mortgage capacity unless you plan upgrades. In some cases, label A (+) properties provide access to more favourable terms, something many internationals are pleasantly surprised to learn.

Financing Sustainable Upgrades

If you choose an older home, you can often finance improvements such as insulation, solar panels or a heat pump directly within your mortgage. Lenders may require quotes or renovation plans, so early preparation helps speed up the process.

Why this Matters for International Buyers

Energy performance influences interest rates, loan capacity and long-term value. Understanding these factors in 2026 helps internationals make informed decisions, especially in a housing market where sustainability is increasingly important.

Do you have the ambition to buy a home in 2026? It’s important to get well-informed. My name is Leonie van Harten, Van Harten Hypotheek. I provide a personalized approach and am here to answer all your questions. With my experience, I’m your go-to person, and together we’ll make sure you know exactly where you stand. Let me help you turn your dreams into reality, with the right knowledge and guidance, you’ll be ready for what’s next!