How much can I borrow?

The exact amount you can borrow is determined by your income, financial obligations, and the property’s value. Under ‘Calculate,’ you can use our tools to quickly estimate how much you can borrow.

In which regions does De Financiële Alliantie operate?

De Financiële Alliantie has years of experience with mortgages, allowing us to provide reliable, honest, and independent advice. This can be done not only at our office in Zwolle, but also online or at your kitchen table anywhere in the Netherlands.

Is De Financiële Alliantie independent?

A clear YES: completely independent! We provide fully independent mortgage advice. We receive no compensation from any lender; instead, our clients cover our fees. This allows us to offer all possible lenders. Together, we’ll find the best provider with the best terms and the lowest rate!

Does the 30% tax ruling increase my mortgage?

It can. Some lenders take the 30% ruling into account, which may increase your borrowing capacity. Whether it truly benefits you depends on your personal situation and future plans.

Can I use savings from abroad?

Yes. Foreign savings are accepted, as long as the origin of the funds is clear and traceable. Banks may ask for bank statements and proof of origin.

How much savings do I need as an expat?

In addition to the purchase price, you typically need around 4–6% of the property value for buyer’s costs. This amount cannot always be included in the mortgage.

Home » Expat mortgage Netherlands » Increasing your mortgage in the Netherlands » Green mortgage: what is it and how do you apply for one?

Green mortgage: What is it and how do you apply for one?

More and more people are making their homes more sustainable. This can be done through insulation, but also by installing solar panels or a heat pump. In the long run, this saves you money, but you first need to invest significantly. If you’re unable to finance energy-saving measures yourself, a sustainability mortgage may provide a solution. De Financiële Alliantie will tell you everything you need to know about this green mortgage. Do you want advice or need help with taking out a mortgage? Our mortgage advisors are ready to assist you!

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What is a green mortgage?

A green mortgage is a loan to make your home more sustainable. You take it out on top of your existing mortgage. With a regular mortgage, you can borrow up to 100 percent of the property’s value. This increases to a maximum of 106 percent if you also take out a mortgage for energy-saving measures. The extra 6 percent you can borrow may only be used for improving the sustainability of your home.

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You don’t need to invest immediately

If you’re not yet sure which energy-saving measures you want to invest in, don’t let that stop you from applying for a sustainability mortgage. When applying, you don’t need to specify exactly what you will use the funds for. The lender will deposit the amount into a special account: the Energy Saving Budget. You then have up to two years to pay the invoices for your energy-saving measures from this account.

When can you get a sustainability mortgage?

You can apply for a sustainability mortgage not only when purchasing a house. If you are renovating or making your home more sustainable, you can finance the investment in energy-saving measures with such a mortgage. Typically, this can be done at the bank where your current mortgage is also held. Increasing your mortgage is often sufficient to qualify for a sustainability mortgage. If you prefer not to increase your mortgage or if the conditions are not favorable, you can refinance your mortgage to qualify for a sustainability mortgage.

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Interest and repayment

Are you taking out an additional mortgage for energy-saving measures? Then you will pay interest and repayment each month, just like with a regular mortgage. If you do this diligently, your debt will be fully repaid by the end of the term. For most people, the monthly payments are manageable. This is partly because a sustainability mortgage has a low interest rate. Additionally, you will spend less money on energy each month if you invest in sustainability. As a result, repaying a sustainable mortgage usually does not pose any problems.

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Getting a sustainability mortgage with the help of De Financiële Alliantie

Are you unsure whether you need a mortgage for an investment in energy-saving measures? Or do you not know where to take out a sustainability mortgage? Then schedule a free, no-obligation consultation with the experienced and knowledgeable advisors at De Financiële Alliantie. We will listen to your needs and make a comparison based on that.

As an independent mortgage advisor, we compare all lenders with each other. We not only look at the financial picture but also at the terms and conditions. This way, we can find the sustainability mortgage that best fits your situation.

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What customers say about us

With the help of Laurens from De Financiële Alliantie, we were able to arrange the mortgage for our new home in no time. Less than two weeks after the purchase agreement, the mortgage was finalized, thanks to Laurens’s proactive approach. We had great conversations, received excellent advice, and it felt very personal. A huge thank you to De Financiële Alliantie, and especially to Laurens, for all your help! Highly recommended.

Erik en Mirjam via Google.nl on 18-7-2024

Laurens Thunnissen

We were recently very well assisted by De Financiële Alliantie regarding our mortgage application. Mr. Eric Fillet (advisor) helped us navigate the maze of the financial world. We highly recommend Mr. Fillet.

Fam. van der Heide via Google.nl on 12-7-2024

Eric Fillet

We worked with Magda from De Financiële Alliantie. She really went above and beyond for us. Since my husband is a business owner, there are many rules to navigate when obtaining a mortgage. Thanks to Magda’s perseverance, clear explanations, and determination, we were able to secure the mortgage we wanted. Additionally, she is very pleasant to work with.

Ida Hoekstra via Google.nl on 12-7-2024

Magda van Veen

We received excellent assistance from Robin once again. He takes the time for you and always answers his phone. Communication is quick, and the advice is professional.

Wessel Idzerda via Google.nl on 11-7-2024

Robin van Dam

Having used the services of DFA three times, they have consistently provided the best advice tailored to our needs! They are very committed and prefer short, personal communication. If you need financial advice, I highly recommend DFA! (In our case, for a mortgage.)

E. Alten via Google.nl on 17-6-2024

Marcel van Assen

Great guidance, quick responses, and friendly people! Always available for any questions.

Tim van der Kolk via Google.nl on 5-6-2024

Joost Fokke