Nederlands

How your energy label affects your Dutch mortgage in 2026

Updated 2026-09-15 · Netzy B.V., Eindhoven

In 2026 your energy label affects your mortgage in three ways: extra borrowing space for energy saving measures (up to € 20.000 for label E, F or G), borrowing up to 106% of the home value if the extra goes fully to energy saving measures, and at many lenders a lower interest rate for a better label. The size of that interest discount differs per lender; your mortgage adviser can compare it.

The label-based interest discount

Many Dutch lenders offer a lower interest rate for houses with a better energy label (often called a green discount or duurzaamheidskorting). The discount and the labels that qualify differ per lender and change over time, so we do not publish percentages here.

What matters for you: if you plan to improve the label, ask your adviser whether your lender recalculates the rate after the new label is registered. Then the measures can pay back twice, in lower energy bills and a lower interest rate.

Energy Saving Budget (NHG) and Warmtefonds

With NHG, the Energy Saving Budget (Energiebespaarbudget) allows up to 6% of the value after renovation, fully spent on sustainability measures. The NHG limit 2026 is €470,000, or €498,200 with energy saving measures.

Separately from the mortgage, the Nationaal Warmtefonds offers the Energiebespaarlening from €1,000 to €29,000, at 0% interest if the combined taxable income is below €60,000.

Where Netzy fits in

An adviser can only use this space well with a substantiated amount: which measures, what they cost, and which label is expected. That is what our scan and quote provide. The mortgage itself is arranged by your adviser.

Extra borrowing space per energy label (2026)

LabelExtra at purchaseExtra for energy saving measures
E, F or G€ 0€ 20.000
C or D€ 5.000€ 15.000
A or B€ 10.000€ 10.000
A+ or A++€ 20.000€ 10.000
A+++€ 25.000€ 0
A++++€ 30.000€ 0
A++++ with 10-year energy performance guarantee€ 40.000€ 0

Source: Dutch government, amounts per 1 January 2026.

Frequently asked questions

How much interest discount do I get for label A?

That depends on your lender and changes over time. Netzy does not give mortgage advice; a mortgage adviser can compare the label discounts of different lenders for you.

Does the extra borrowing space count against my income?

The label-based extra space for energy saving measures comes on top of what you can borrow on your income, and must be spent on those measures. Your adviser checks the exact conditions.

Netzy calculates what is technically feasible and what it costs, and explains the schemes. We do not give mortgage advice and do not broker mortgages. What you personally can borrow, and at what rate, is assessed by a mortgage adviser or lender. Label outcomes are route indications, never a guarantee.
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