NHG limit up in 2025: Building inspection a must!

The National Mortgage Guarantee (NHG) is a safety net that protects both the lender (the bank) and the buyer against financial problems. The NHG assumes part of the risk, which is beneficial in unforeseen circumstances such as unemployment or divorce. For the buyer, this often means (slightly) lower monthly payments due to a discount on the mortgage interest rate. In return, the NHG requires several guarantees, such as an independent building inspection if there are any deferred maintenance issues. Homekeur can arrange this for you.

When taking out an NHG mortgage, a building inspection may be required. This is the case if the appraisal indicates that maintenance costs exceed 10% of the property's value, or if parts of the property are difficult to appraise. A building inspection is then crucial to provide insight into the structural condition and potential repair costs. Homekeur offers this inspection in accordance with NHG standards, meaning the report meets all requirements for validity, independence, and completeness.

An NHG-compliant building inspection offers several advantages for you as a buyer. Regardless of whether you're buying a home with or without the NHG, a building inspection provides insight into:

• Financial security: With a detailed NHG report, you can negotiate the price of the home fairly and avoid unexpected costs.
• Structural condition: A structural inspection will tell you exactly what the condition is of the house you want to buy.
• Reliable overview: The report provides insight into potential cost items and maintenance recommendations. This can be important when obtaining financing under NHG terms.
• Sustainability & investments : Starting in 2025, the NHG will be available not only for homes with a higher value, but also for homes where sustainability is a priority. The additional scope for energy-saving investments, such as insulation or heat pumps, makes the NHG even more attractive.

The higher NHG threshold means that first-time buyers will have more choice in the housing market in 2025. While the market will remain tight, there are certainly opportunities in every town and village. By combining the NHG with a building inspection, you're guaranteed an objective assessment of your home. This not only helps determine its value but also provides certainty about its condition. This allows for a clear overview of costs for repairs or deferred maintenance.

As mentioned earlier, a building inspection report compliant with the National Mortgage Guarantee (NHG) provides you with many important insights. It can influence your decision to purchase the property. At Homekeur, our reports meet all requirements. You are guaranteed an independent assessment. You'll receive up-to-date information and a clear overview of necessary repairs. This completes your NHG mortgage application and helps you enter negotiations better prepared.

With the rising NHG threshold in 2025 and the benefits it offers, you're well on your way to a financially secure home purchase. This is especially true if you're looking for a house in the higher price range, or if sustainability is important to you. For more information or to request an NHG building inspection , you can easily schedule an appointment online with Homekeur.

The cost of a building inspection (up to 250 m²) is only €489 including VAT. We'll conduct a comprehensive building inspection and you'll receive a building report. Do you have any questions? We're happy to help and can schedule an appointment with an expert inspector right away if you wish!