You can borrow extra for renovation a/o sustainability targets.
The maximum amount you can borrow depends on;
- Your income, market value, and energy label
- Regular renovation versus sustainability measures
Regular renovations
For small amount renovations you could consider to pay these from private assets or via a personal loan (based on income, no extra costs for appraisal report, notary and mortgage loan advice).
For substantial renovations with a larger loan amount this can best be arranged by mortgage loan construction. We can help you with deciding what option suits you best. A valuation report will always contain a market value after renovation. A specification of the contents of the renovation activities will have to be present upfront. Invoices will be paid from the banks deposit (if according to the standards).
Energy saving measures
You can borrow extra if you want to invest in dedicated (*) energy saving measures. Banks sometimes have special loans and interest rates for these investments and sometimes subsidies (www.rvo.nl) are available. Please see below for energy labels and the options for extra loan opportunities.
Energy label aspects per 1-1-2026
If you buy a home in 2026 the energy label will co determine what maximum amount can be added to the “regular” max loan to income amount assessment, please see chart below
| Energy label current home | Amount to be added to regular loan to income amount |
| E, F, G | + 0 EUR |
| C, D | + 5.000 EUR |
| A, B | + 10.000 EUR |
| A+ up to and including A++ | + 20.000 EUR |
| A+++(per 1-1-2026) | + 25.000 EUR |
| A++++ excl. “energieprestatiegarantie” (per 1-1-2026) | + 30.000 EUR |
| A++++ incl. “energieprestatiegarantie” for minimum of 10 years (per 1-1-2026) | + 40.000 EUR |
Energy Saving Measures
Below you will find the max. extra amount that can be borrowed if you will invest in dedicated (*) energy saving measures for your current home
| Energy Label | Maximum Amount |
| E, F, G | + 20.000 EUR |
| C, D | + 15.000 EUR |
| A, B, A+ tm A+++ | + 10.000 EUR |
| A ++++ and better | + 0 EUR |
(*) Dedicated measures 2026
Heating Pump
Solar pannels
Cavity wall insulation
Roof insulation
Floor insulation
HR ++ glass
The mortgage loan and amount for energy saving measures together are max 106% of the market value. The amount for the dedicated sustainability measures will be placed in a bank deposit. As soon as you receive an invoice of the contractor you can send it to the bank and they will payout if according to the specifications made earlier.