The National Mortgage Guarantee (NHG) Limit for 2025 is Set

The National Mortgage Guarantee (NHG) limit for 2025 has been set at € 450,000. For mortgages that include additional energy-saving features, this limit will be 6% higher, reaching € 477,000. Additionally, the one-time premium for obtaining a mortgage with NHG will decrease to 0.4%. These changes will enable more homebuyers to secure a mortgage with NHG.

The NHG limit is recalibrated annually using an established method that takes into account the development of housing prices.

Reduction in NHG Premium

The reduction of the closing premium from 0.6% in 2024 to 0.4% in 2025 is particularly beneficial for first-time buyers and those with mid-range incomes. For a mortgage of €450,000, buyers will pay € 1,800 in premiums starting next year instead of € 2,700, resulting in a gross savings of € 900.

Affordability Limit Set

The government aims to produce 100,000 homes annually, with two-thirds designated as affordable. The limit for affordable purchase homes will be indexed according to the Consumer Price Index (CPI) again this year. For 2025, the upper limit for affordable purchases will be €405,000, compared to €390,000 in 2024.

Enhanced Protection

The NHG provides homebuyers with access to responsible mortgages when purchasing a home. With an NHG mortgage, buyers face fewer risks and often benefit from lower interest rates. The NHG also serves as a safety net for households experiencing personal circumstances such as relationship breakdowns or disability. This safety net allows buyers to make more informed and confident decisions when purchasing a home, knowing they have additional support during challenging times.

While I appreciate these developments, the housing market remains largely locked for individuals without savings or parents who can offer a family loan. I celebrate every opportunity created to help young people find their own place. My name is Barry Burgemeester and my goal is to be a supportive agent for everyone, so if you have any questions or need assistance, please feel free to reach out via email: info@burgemeestervastgoed.nl