Make your home more sustainable
Discover your financial options for a more sustainable home.
Plan appointmentMake your home future-proof
Making your home more sustainable is a smart investment. Whether you are buying a new house or upgrading your current property, energy-saving measures like solar panels, insulation, or a heat pump offer great returns. But how do you finance them? At Hanno, our independent advisors help you find the smartest financial solution. From taking out an extra mortgage to utilizing Dutch government subsidies, we make the process clear and hassle-free.
Why invest in sustainability?
- Lower monthly energy bills
- Higher property value and a better Energielabel
- Increased living comfort (no more drafts!)
- Extra borrowing capacity (up to €20,000 on your mortgage)
- Access to Dutch national subsidies (ISDE)
Overwhelmed by Dutch sustainability rules?
Navigating the Dutch housing market is challenging enough, let alone understanding the financial rules around sustainability. You might hear neighbors talk about ISDE subsidies, Energielabels, or an Energiebespaarbudget, but what does it actually mean for your wallet? Perhaps you are worried about high upfront costs, or you're unsure if you can get a mortgage extension as an expat. We get it. The good news is: the Dutch government heavily encourages making homes energy-efficient. This means there are excellent, affordable financing options available right now. You just need the right expert to help you unlock them, so you don't leave money on the table.
How to finance your green upgrades 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. Compare your options
We calculate whether using your savings, increasing your mortgage, or getting a personal loan is the smartest move.
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3. Your own financial mortgage plan
First we look at your situation, then at your mortgage.
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4. Choose mortgage lender
Based on your mortgage plan, we choose the best provider.
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5. 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.