Mortgage amount vs NHG cap
Mortgage
Applicable cap
NHG scenario table
| Scenario | Mortgage | Cap | Status | Delta |
|---|
2026 NHG cap guide
| Case | Limit | Use |
|---|---|---|
| Standard NHG | €470.000 | Regular 2026 NHG limit |
| With energy-saving measures | €498.200 | Higher cap for qualifying energy-saving measures |
| Borgtochtprovisie | 0,4% | One-time NHG fee on the mortgage amount |
How this NHG checker works
This checker compares the mortgage amount against the 2026 NHG amount limits. It also calculates the one-time NHG fee and shows whether the result fits within the standard cap or only within the higher energy-saving cap.
Core logic
Standard cap = €470.000
Energy-saving cap = €498.200
NHG fee = mortgage amount × 0,4%
Energy-saving cap = €498.200
NHG fee = mortgage amount × 0,4%
This page checks amount limits and fee only. Full NHG eligibility also depends on the wider NHG conditions and lender assessment.
Frequently Asked Questions
What is the 2026 NHG limit?+
The standard 2026 NHG limit is €470.000.
What is the higher cap for energy-saving measures?+
With qualifying energy-saving measures, the 2026 NHG amount can go up to €498.200.
What is the NHG fee in 2026?+
The one-time NHG fee is 0,4% of the mortgage amount.
Does this tool guarantee approval?+
No. It checks the amount limits and fee only. Final eligibility depends on the full NHG conditions and lender approval.