Increased maximum loan standard mortgages

Increased maximum loan standard mortgages

 

For the year 2024, for the first time in a long time, there will be a significant change in the calculation of maximum mortgages. This is because the energy label will now play a role in the calculation methodology for the first time. Two important principles apply here.

 

Mortgage without energy saving features
If no energy-saving measures are included in the application, then part of the mortgage amount can still be disregarded when calculating the maximum mortgage. In this regard, the more favorable the energy label, the higher the loan amount. The relationship between the energy label and the additional mortgage amount is as follows.

Energy Label	Additional mortgage amount
EFG	€ 0
CD	€ 5.000
AB	€ 10.000
A+A++A++++	€ 20.000
A++++	€ 40.000
A++++ (0 on the meter with 10-year warranty)	€ 50.000

 

Mortgage with energy saving features
If the mortgage application does include an amount for energy saving features, then according to the table below, an additional amount will be disregarded. In this case, the reverse applies: the lower the energy label, the more additional amount can be borrowed for energy-saving features. This principle is based on the idea that homes with a low energy label have relatively the highest savings on monthly energy costs.

Energy Label	Additional mortgage amount
EFG	€ 20.000
CD	€ 15.000
AB	€ 10.000
A+A++A++++	€ 10.000
A++++	€ 0
A++++ (0 on the meter with 10-year warranty)	€ 0

 

The new rules apply separately from each other
Perhaps the best part is that these rules apply separately and can therefore be combined. The extra borrowing capacity that applies to a mortgage where energy-saving facilities are financed can be added to the extra borrowing capacity based on the energy label. The total is then as follows.

Energy Label	Additional mortgage amount
EFG	€ 20.000
CD	€ 20.000
AB	€ 20.000
A+A++A++++	€ 30.000
A++++	€ 40.000
A++++ (0 on the meter with 10-year warranty)	€ 50.000

 

In summary, with a smart approach, you will always have the opportunity to borrow at least an additional €20,000. We see this as a positive step for the housing market, which can make an important contribution to the energy transition we are facing together.

Although the new year is still a while away, this is precisely an excellent opportunity to prepare properly. Wondering how to go about this? Then don't hesitate to contact us. We would be happy to share our insights with you during an introductory meeting without any obligation. You can reach us by phone at 020-691 00 22 or by e-mail at hypotheken@kuipersclaassen.nl.