You already know that sustainable building also has financial benefits, such as a mortgage with attractive conditions or room for a higher loan.

There is also no shortage of banks, construction companies and websites that try to convince you with all sorts of details, complicated calculations of returns and payback times, and lots of new terms and abbreviations. But this is what struck us: everyone gives you only a small piece of the whole.

It is not that the information is wrong, but with the maze of arrangements and choices that you already make when building a house, it does not become clearer.

You see words passing by:

  • energy neutral and almost energy neutral (BENG);
  • Energy performance coefficient (EPC) 0;
  • Zero-on-the-meter (NOM);
  • Building-related and user-related
  • The efficiency of solar panels, heat pumps and triple glass;

But what you want to know is: what do I have to? If you are interested in sustainable building and a Sustainer Home, there are several things to take into account when financing your home that can give you some extra space — literally and figuratively.

Sustainable mortgage building: conditions and requirements

For every mortgage, of course, there are requirements for income and the house that is purchased. In that sense, a Sustainer Home is no different than a typical new-build home that is freely built-in name for permanent residence. A building depot is used. Upon granting the mortgage, the full amount for the purchase of the plot and construction of the house is reserved and placed in this deposit. In the purchase and construction process, the money is released at set times.

The bank will also require various documents for the provision of a mortgage. These include the signed purchase contract for the lot, documents about your personal financial situation, and the building contract for the construction of the house. For the latter, the bank often asks for a certificate for a number of guarantees.

Sustainable mortgage building: subsidy schemes and financing benefits

Building a sustainable house has its advantages. For example, the government encourages gasless construction and wants to be utterly gas-free by 2050. In practice, this means that there are various subsidy schemes that you can benefit from, but also schemes to borrow a higher amount.

Energy-saving measures such as a heat pump, insulation, triple-glass, and solar panels can be co-financed with your mortgage. This not only means that you can borrow more in proportion, but the co-financing of solar panels and the heat pump means that you can deduct mortgage interest on this. Moreover, you can see the revenue from these systems net on your energy bill – or rather, because they are not there. Because this is a standard part of our homes, that means more Sustainer Home for your money in practice.

What can you do to finance your sustainable home? Three categories can be distinguished: mortgages, subsidies and own money. We list several options per class for you.

Mortgages and loans

A zero-on-the-meter (NOM) home allows you to borrow more on top of your mortgage. The possibilities are different for each bank and how easy it is. Own Home Association keeps a good record of how that works and at which banks you can make use of this scheme.

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