Solar panels. Insulation. Heat pump. But who pays for it?
You want to go green. Good for the environment, good for your energy bill. But you don't have the cash.
With energy-saving measures the NHG limit in 2026 is higher than the standard limit. The difference in borrowing capacity:
€28,200
- NHG limit 2026
- €470,000
- With energy-saving measures
- €498,200
An indicative calculation based on the NHG standards for 2026. What you can borrow on top depends on your energy label and your situation.
Someone who says: you can finance this through your mortgage. This is what your monthly payment looks like, and this is what you save on energy.
From leaking energy to an A label.
Requesting an energy assessment
Which measures return the most for your home? A recognised energy assessment maps it out. Many municipalities offer one free of charge.
Carrying out the work
Insulation, panels, a heat pump. The financing runs through your mortgage, so you need no savings.
A better label, a lower bill
A better energy label, a lower energy bill and a higher property value. All arranged by one person.
Costs against savings
What do the measures cost? How much do you save on energy? In one clear overview.
Advice on measures
Which measures return the most for your type of home? I advise on return rather than on brand.
Financed through your mortgage
Extra borrowing for energy-saving measures; the maximum depends on your energy label. No savings needed.
45+ lenders
Not every bank finances this work as readily. I look for the option that fits you.
Your property value rises
A better energy label makes your home 5 to 10% more valuable. The work pays for itself.
Guidance
From the energy assessment to installation. One point of contact overseeing the whole process.
Curious what you can borrow?
500+
mortgages guided
17
years in the mortgage industry
45+
lenders compared
1
dedicated point of contact
The first stories are on their way.
I am asking the clients I guided over the past years to write down their experience. As soon as they come in, you will read them here in their own words, with name and situation. A handful of real stories beats a page full of polished words.
- 500+ mortgages guided
- 45+ lenders compared
- 17 years of experience
Want to share your experience? After completion you'll receive an invitation.
Frequently asked questions
You can borrow extra for energy-saving measures; the maximum depends on the energy label and differs per situation. I calculate it for you. This amount sits separate from your regular borrowing capacity. With NHG the mortgage including the work can run to 498,200 euros (the standard NHG limit of 470,000 euros plus 6% for energy-saving provisions).
Solar panels, roof insulation, floor insulation, HR++ glazing, heat pumps and combined packages. Every measure that contributes to a better energy label qualifies. You need a recognised energy assessment setting out which measures make sense for your home.
Yes. A recognised energy assessment is a condition at most lenders. It costs around 300 to 600 euros, though many municipalities offer it free or subsidised. I help you find out what is available in your municipality.
A home with an A label is worth 5 to 10% more on average than a comparable home with a D label. On top of that you save hundreds of euros a year on energy. The investment usually pays for itself within 5 to 10 years through lower energy bills and a higher property value.
Yes. When refinancing you can finance the energy-saving budget at the same time. Two gains at once: a lower rate on your mortgage and lower energy costs from the work. I calculate whether that combination pays off in your situation.
One conversation. That's all it takes.
It is free: 30 minutes where I listen to your situation and tell you what's possible. After that, you decide.
No catch. Just a good conversation.
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