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Financing renovations with NHG is popular

With the trend of renovations rising, many homeowners are turning to the National Mortgage Guarantee (NHG) for financing, but is it the best option for everyone? Delve into the nuances of renovation financing and discover when a personal loan might be more advantageous, ensuring you make informed decisions that align with your financial goals and renovation needs.

More and more people are choosing to renovate instead of moving. As a result, we're seeing a rise in the number of renovations. Financing renovations with NHG (National Mortgage Guarantee) is becoming increasingly popular. This means taking out a second loan, or a second mortgage, to cover the renovation costs. Is this wise, or are there better and more affordable options?

Renovations after the building inspection

Renovations are often carried out in homes where the current owners intend to remain. They aim to improve the property or increase its value. Renovations immediately after purchase are also common, where the home is renovated to meet current needs. Less common are renovations that improve the property before it is put on the market.

We often see renovations being carried out after a building inspection . During this renovation, any (hidden) defects are repaired. Of course, every renovation involves costs. How can you maximize your financing options?

A personal loan or a second mortgage

Financing a renovation with a National Mortgage Guarantee (NHG) , a second mortgage, is currently very popular. This doesn't mean it's the most financially advantageous option for everyone. Are you planning a small renovation and will the costs remain under €25,000? Then, in the vast majority of cases, it's more advantageous to take out a personal loan. A second mortgage can be beneficial if the renovation costs exceed this amount.

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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!

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