Why was this change implemented?

Mortgage Vision Amsterdam Buikslotermeerplein explains that this change serves as an incentive to invest in energy-efficient upgrades to the property. These upgrades will not only lead to a reduction in energy bills but will also make a larger mortgage burden more manageable. Owners of energy-efficient homes have significantly lower energy costs, allowing them to have more money available for their mortgage.

According to Amsterdam Buikslotermeerplein, there are many options available for homeowners who want to make their homes more sustainable. Thanks to their collaboration with EDIT B.V., a company specialized in solar panels, Amsterdam Buikslotermeerplein can quickly assess the sustainable options available in the personal situation of the respective homeowner.

The opposite applies to buyers of a home with a poor energy label. That’s why they can borrow less. This new measure is completely independent of income and is only related to the energy label of the property being purchased.

How can we finance sustainability initiatives?

Sustainability pays off, even when purchasing and renovating a home with a lower energy efficiency rating. You can borrow an additional amount to make the house more energy-efficient, provided that you actually undertake these improvements. Previously, this amount was not higher than €9,000, but now it’s also divided based on the energy label. Since homes with energy labels E, F, and G require more measures, buyers of these homes can borrow a higher additional amount. The amount in question is €20,000. In the table below, you’ll find the maximum additional mortgage amounts per energy label.

Can you really avoid considering sustainability when buying a home?

Not really. Sustainability is increasingly rewarded, while unsustainability is being punished more frequently. European laws and regulations are becoming increasingly stringent, mortgage portfolios are being monitored by European regulators and the ECB. Some lenders are already offering mortgages at lower interest rates for highly sustainable homes because they can borrow money more cheaply in the financial markets for this purpose. On the flip side, this also means that mortgage lenders in the future will be less inclined or even unwilling to finance homes with poor energy labels. According to De Hypotheekshop, this primarily applies to homes with an energy label of D or lower. Out of the forty largest lenders in the Netherlands, at least two have recently started rejecting mortgages based on the energy label. ChatGPT For homes with a poor energy label, you may only be able to obtain a mortgage if you provide a renovation plan. The expectation is that more and more lenders will impose these requirements.

What can I do now as a homeowner?

Do you eventually want to sell your home but currently have a poor energy label? Then it is most likely worth investing in improving the energy label. Sustainable homes will increasingly rise in value due to the aforementioned measures, while unsustainable homes will become less popular.

What can I do now as a buyer?

It’s important to thoroughly inform yourself about the borrowing options now that they are linked to the energy label of the property. Is it bad? In that case, sustainability is advisable or even necessary in the long run Is it good? Then sustainability may still be worthwhile. In all cases, it’s important to have a future-oriented plan for this. You can calculate your maximum mortgage amount on the website of the Consumers’ Association. Here, you can also enter the energy label of the intended property.

ChatGPT If you want advice on whether making your home more sustainable is a viable option or if you need a valuation, contact 123ERAmakelaar or Hypotheekvisie Amsterdam Buikslotermeerplein.