Make an appointment
Make an appointment Call now

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.

Would you like to make an appointment for a building inspection?

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!

Make an appointment

Recent articles

Mensen kijken omhoog naar een huis en een man wijst
blog
31 July 2026
Independent building inspection: why independence makes the difference
When buying a home, you don't want any surprises afterwards. An independent structural inspection gives you an objective picture of the technical condition of the property, including any defects, maintenance points, and expected repair costs. In this blog, you will read why independence is so important and how an expert structural inspection helps you buy or sell a home with confidence.
Een scant met zijn tablet een muur
blog
31 July 2026
Why a good energy label sells your home faster and better
An energy label is much more than a legal requirement when selling a home. It gives potential buyers immediate insight into the energy efficiency of the property and can have a positive impact on marketability and value. In this blog, we explain why an up-to-date energy label is important and how you ensure your home is optimally presented to the market.
Een laptop geopend met de website funda
blog
04 June 2026
7 signs of foundation problems during a viewing
Are you buying a home? Then naturally, you don't want to overlook any hidden defects. Foundation problems are among the most costly defects a home can have, with repair costs that can run into tens of thousands of euros. Fortunately, signs indicating foundation damage or subsidence are often visible during a viewing. In this article, we discuss seven important features to look out for before making an offer.

Back to list