Increase your mortgage
Discover how to smartly increase your mortgage using your property's increased value.
Plan appointmentSmart financing for your next big step
Dutch house prices have risen significantly over the past few years. This means your home might be worth much more than your current mortgage debt. This difference is your equity (overwaarde). Instead of moving to a new place in a tight housing market, you can use this equity to upgrade your current home. Whether you want to build an extension, install solar panels, or even buy a second property, increasing your mortgage is often the cheapest way to finance it. At Hanno, we calculate exactly what is financially possible and arrange the best deal for your specific expat situation.
Why increase your mortgage with Hanno?
- Clear insight into your actual equity (overwaarde)
- We compare all Dutch banks for the lowest interest rates
- Full integration of your 30% ruling benefits
- We handle the complex Dutch paperwork and tax rules
Why moving isn't your only option
Many expats in the Netherlands eventually feel they have outgrown their first home. But with the current housing market, moving can be expensive and stressful. Fortunately, there is a very popular Dutch alternative: unlocking your equity (overwaarde) by increasing your mortgage.
Because your house has likely increased in value, banks are often willing to lend you extra money against very favorable mortgage interest rates, much lower than regular personal loans. You can use this money to finally build that dream kitchen, add a home office, or drastically lower your energy bills with a heat pump. But how you structure this extra loan is crucial. Do you use a higher registration, take out a second mortgage, or switch to a new lender altogether? And how does it affect your tax deductions? As your independent financial wingman, Hanno runs all the numbers. We figure out the most profitable route for you, so you can invest in your home with 100% peace of mind.
How to increase your mortgage in 4 steps
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1. What is your budget?
A free orientation meeting will give you clarity.
Make an appointment Bel 030 - 208 2010
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2. Your own financial mortgage plan
First we look at your situation, then at your mortgage.
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3. Choose mortgage lender
Based on your mortgage plan, we choose the best provider.
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4. Mortgage finalized and permanently in order
We arrange your construction deposit mortgage from A to Z.
Ready to upgrade your home's energy label?
make an appointmentWhy choose Hanno for your sustainable mortgage?
We don't just look at standard mortgages; we look at the bigger picture. Because we are 100% independent, we compare over 43 providers to find specific 'green' mortgages that offer interest rate discounts for sustainable homes. Plus, our advisors are highly experienced in working with expats. We translate complex Dutch financial jargon into plain, actionable advice, ensuring you get the best deal possible.
Frequently asked questions
Yes, the Dutch government strongly encourages green homes! Depending on the energy-saving measures you plan to take, you can often borrow up to €20,000 extra on top of your maximum mortgage based on your income. Our advisors can calculate your exact limit.
Not at all. You can apply for an Energiebespaarbudget (Energy Saving Budget) as part of your mortgage. This reserves a specific amount for green upgrades. You have up to two years to decide exactly which measures you actually want to spend it on.
Absolutely! In the Netherlands, many mortgage lenders offer a sustainability discount on your interest rate if your home has a registered A or A+ energy label. Expats have access to the exact same discounts as Dutch citizens. We compare over 43 lenders to make sure you get the best rate.
Yes, you can combine them! You can finance the upfront costs of your renovation through your mortgage (using a bouwdepot). Once the work is done, you can apply for the national ISDE subsidy to get a significant portion of your money back.
If you live in an apartment, the exterior of the building (like the roof, facade, and sometimes windows) is managed by the Homeowners' Association (VvE). You usually cannot install solar panels or insulate the outer walls entirely on your own. However, you can finance internal upgrades, or the VvE might have shared sustainability plans you can contribute to. Always check your VvE rules first!
Yes, absolutely! Many people choose to combine them. You can finance both a new bathroom and new solar panels through a single mortgage increase. Just keep in mind: the extra borrowing allowance (up to €20,000) is strictly reserved for energy-saving measures. Regular renovations are calculated based on your standard maximum mortgage and the increased property value.