Are you planning to buy a house, refinance your mortgage, or make your home more sustainable in 2027? If so, you will be faced with a number of new mortgage rules. For many people, more borrowing capacity will become available. The National Mortgage Guarantee (NHG) will also become accessible for properties with a higher purchase price. We explain the most important changes in simple terms.
In short: many households will be able to borrow slightly more in 2027, the NHG limit will rise to €500,000, and sustainability will play a larger role.
1. Often able to borrow slightly more
For many households, the maximum mortgage will increase slightly in 2027. With a stable income and a comparable mortgage interest rate, the extra borrowing capacity can amount to approximately €10,000. If your income rises in line with the expected average wage increase of 3.7%, the difference compared to 2026 could be approximately €10,000 to €35,000. Exactly how much you can borrow depends, among other things, on your income, the mortgage interest rate, your financial obligations, and the value of the property.
Please note: being able to borrow more does not automatically mean that a home becomes more affordable. House prices, monthly costs, and additional expenses also determine what you can ultimately afford.
2. The NHG limit rises to €500,000
From January 1, 2027, you can take out a mortgage with NHG for a property up to €500,000. In 2026, this limit is still €470,000. As a result, more homes will qualify for NHG.
| NHG in 2027 | Amount |
| Standard NHG limit | €500,000 |
| With energy-saving measures | maximum €530,000 |
| One-off NHG premium | 0.4% of the mortgage amount |
NHG provides a safety net when you can no longer pay your mortgage costs due to personal circumstances, such as divorce, unemployment, or disability. In addition, many lenders offer a lower mortgage interest rate with NHG.
3. Extra budget for sustainability
Are you buying a land-based property with energy label E, F, or G with NHG? From 2027, an extra €20,000 will be reserved by default for energy-saving measures. Think, for example, of insulation, HR++ glass, or a heat pump.
You do not have to use the amount immediately. You have a maximum of two years to carry out the sustainability measures. If you do not use the budget, the unused portion will expire.
4. More attention to the foundation
For a mortgage with NHG, the risk of foundation damage will be scrutinized more closely from 2027. If a property has an increased risk, additional research may be required. If this shows that repairs are likely necessary, the expected repair costs will be included in the mortgage assessment.
This way, you are better protected against unexpectedly high costs after the purchase. It may, however, mean that you can borrow less for a property with a high foundation risk.
5. Broader possibilities for completed new construction
The rules are also changing for fully completed and immediately habitable new-build and transformation homes. In some cases, from 2027, you can obtain a mortgage with NHG without a mandatory warranty certificate. This applies when the property is purchased with a standard purchase agreement and the completion risk is no longer present.
6. Increased transfer tax exemption
Starting in January, the exemption for the purchase of a primary residence will be increased from €555,000 to €615,000. Someone under the age of 35 who has not previously used the exemption can save a total of €12,300 in ‘closing costs’.
What does this mean for you?
The new rules may affect your options. Perhaps you can borrow more in 2027, the property you have your eye on falls within the NHG limit, or extra room is created to make your home more sustainable. A calculation always remains personal.
Curious about how much you can borrow in 2027? Our mortgage advisors will be happy to calculate it for you. This way, you know with which budget you can responsibly search for a property.
