National Mortgage Guarantee: What Does It Cost?
When purchasing a home, you can take out a mortgage with the National Mortgage Guarantee (NHG). With NHG, you face less risk as a homeowner and benefit from an interest discount. NHG provides additional security to the lender, ensuring that the mortgage will be repaid. You can take out an NHG mortgage for a maximum loan amount of €450,000 (in 2025).
NHG Costs
To take out a mortgage with NHG, you pay a one-time fee, known as the guarantee fee. In 2025, this is 0.4% of the total mortgage amount. In return for the security NHG provides, lenders offer an interest discount on the mortgage, which can amount to as much as 0.6% per year.
NHG and Mortgage Types
For first-time buyers, both mortgage interest tax relief and an NHG mortgage are only available if the mortgage is repaid on an annuity or linear basis within a maximum of 30 years. Other types of mortgages have not been permitted under the National Mortgage Guarantee for first-time buyers since 1 January 2013.
Another NHG requirement is that the maximum mortgage amount cannot exceed 100% of the property's market value. In the case of energy improvements, you can borrow up to 106% of the market value.
Would you like to purchase a home with NHG? Our mortgage advisors can provide all the information about the costs and benefits of NHG.