Compare at more than 40+ financial providers
Free and no-obligation first consultation

Sustainability

Do you want to make your home more sustainable by investing in solar panels, but don’t have enough money? You could apply for an additional mortgage to make your home more energy-efficient. This type of mortgage is often called a ‘sustainable mortgage’. Letus explain how you could benefit from it.

What is a sustainable mortgage?

A sustainable mortgage is designed to finance sustained improvements to your home. As a homeowner, you can lend money to make energy-saving upgrades such as installing solar panels, a heat pump, insulation, and other sustainable enhancements. 

The idea behind this is that investments in energy-saving measures can save costs in the long run and increase the value of your home. Additionally, making your home more sustainable helps reduce CO2 emissions and promotes environmental awareness. 

Mortgage lenders and governments may offer various incentives to make sustainability mortgages more affordable, such as interest rate discounts, grants, or tax benefits. This encourages homeowners to invest in sustainable upgrades for their homes.

Increasing your mortgage to withdraw home equity

Buying a new-build home

Increasing your mortgage for renovation

Creating a sustainable home

Why take out a sustainable mortgage?

Making your home more sustainable can be a worthwhile investment.  There are many reasons to consider this choice, with the primary one being that a sustainable home benefits the climate. Additionally, enhancing your home’s energy efficiency  will lower your energy costs. Also, the value of your home increases, which is beneficial if you plan to sell it in the future.

  • We always aim for the best fitting offer
  • Always reliable, your personal advisor
  • Your first consultation is always free and without obligation

The benefits of making your home sustainable

Taking out a sustainable mortgage for home upgrades can offer several benefits:

  • Lower energy bills: By investing in energy saving home upgrades such as insulation, solar panels, and energy-efficient heating systems, you can improve the energy efficiency of your home. This usually leads to lower long-term energy costs and reduces your monthly energy expenses.

  • Increased home value: Sustainable improvements can increase the value of your home. Potential buyers are often willing to pay more for a home with lower energy costs and a smaller ecological footprint.

  • Comfort and health: An energy-efficient home is generally more comfortable to live in, with consistent temperatures and fewer drafts. Additionally, improvements like a better ventilation system and moisture control can enhance air quality, benefitting the health of the occupants.

  • Environmental awareness: By making your home more sustainable, you reduce your ecological footprint and contribute to combating climate change. Lowering your energy consumption and utilizing renewable energy sources helps decrease your carbon footprint.

  • Financial incentives: Some governments and lenders offer special incentives, such as interest rate discounts, grants, or tax benefits for taking out a mortgage for sustainability. This can make it financially more attractive to invest in sustainable upgrades for your home.

Reviews from our customers

Every day, we strive for 5-star service, as this is the minimum for us. That’s why we are so proud of the feedback we receive from our customers:

Luc was very informative, he made sure to explain everything I needed to know as a first time buyer. He made sure to be available for all my questions and inquiries. The process went very smoothly, and approval was quite quick.

Reem

6/23/2025

Bart is such a great mortgage advisor. He is reliable, knowledgeable and explains every details to me with great patience. It is a very smooth process to get 2 mortgage applications approved!

Melanie

6/19/2025

He helped us through the whole proccess, always helping us with our doubts and questions

F.N.S

6/15/2025

Fijn gesprek, goede begeleiding, betrouwbaar en snelle afwikkeling..Dank je wel Luc!

Renu

5/2/2025

Erg prettig en snel geholpen door Bart en vervolgens tijdens zijn vakantie door Toni. Wij zouden OHAO zeker aanraden!

R.R.

4/5/2025

Fantastisch geholpen door Luc! Bij OHAO denken ze echt met je mee. Ze helpen je niet alleen met het vinden van een passende hypotheek, ze kijken ook hoe dit het beste aansluit op jouw wensen en situatie.

Fabian

3/26/2025

Wij hebben de samenwerking met adviseur Toni en OHAO als zeer prettig ervaren. Toni is deskundig, reageert snel op vragen en heeft ons van het juiste advies voorzien.

RS

3/26/2025

He is always around to help. and you can make sure that you will nost miss anything

Matt

3/18/2025

Proffessional, knowledgable, helpfull, reachable,

anonymous

1/25/2025

Toni is erg behulpzaam en denkt mee met de klant. Hij antwoord snel en duidelijk op alle vragen. Top service!

MGG Barraco

1/7/2025

Super goed geholpen door Luc. Vanaf het begin tot eind super behulpzaam en alles duidelijk uitgelegd! Wij bevelen hem zeker aan en als we in de toekomst weer hypotheek advies nodig hebben zullen we zeker weer aankloppen!

Elise

1/2/2025

Toni was heel behulpzaam en meedenkend. Ik raad OHAO aan.

Altay

12/20/2024

Really supportive and professional to get the best one for me. My case could be special, thanks to his service, I am happy with the result.

Cindy

12/11/2024

Bart was so helpful, would recommend him to anyone! He took the time to explain every aspect to me and I couldn't have done this process without him. Thank you Bart!!!

Rachael

12/10/2024

Toni helped us secure a mortgage, guarantee, and life insurance for our first house in the Netherlands. He was patient, guided us in a way that gave us agency and kept us informed, and was fantastic throughout the process!

Kasia L.

12/6/2024

Luc is een zeer goede adviseur met een hele prettige manier van samenwerken. We hebben deskundig advies gekregen over onze vrij complexe casus en daarbij een passende financiering gekregen.

I. H.

12/6/2024

Ik ben zeer goed geholpen; de service was snel, duidelijk en professioneel. De hypotheekadviseur nam de tijd om alles helder uit te leggen en al mijn vragen te beantwoorden.

Wouter

12/4/2024

Luc was extremely helpful from beginning to end. He gave us all the inputs necessary to have the smoothest process possible. Thanks, Luc.

Lucas

10/14/2024

Zeer professionele begeleiding tijdens de aanvraag van de hypotheek. Bart neemt uitgebreid de tijd om je zo goed mogelijk te informeren. Daarbij is hij erg prettig in de omgang, zeer flexibel en reageert hij altijd snel.

Wessel

10/12/2024

Bart was super helpful to make the best choice and he also explained to me all the details and different information around the dutch mortgages. OHAO was well recommended by a friend and I couldn't be happier about it!

Lucas

9/15/2024

OHAO heeft mij uitstekend geholpen in het gehele financieringstraject. Als starter had ik veel vragen, die snel en vakkundig werden beantwoord. Binnen twee weken was de aanvraag van de hypotheek geregeld. Toni en Luc, bedankt!

RB

9/8/2024

Toni helped me answering all my questions quickly from start to end. I got all the documents sorted out easily and the whole process went very smooth. Highly reccommend.

Simone

6/28/2024

Luc heeft supergoed ondersteund in het verkrijgen van een hypotheek en verschafte mij met al de benodigde informatie.

Hans

5/23/2024

The amount of the sustainability mortgage

The exact amount by which you can increase your mortgage for making your home more sustainable can vary depending on several factors. Some lenders offer specific sustainability mortgages with set limits for energy-saving investments. To get an accurate estimate of how much you can increase your mortgage for sustainable improvements, contact one of our advisors. 

Reward for making your home sustainable

If you decide to increase your mortgage for sustainability upgrades, you can often expect a reward in the form of a free energy label or energy advice. Sometimes, mortgage lenders also offer additional benefits, such as a contribution for home insulation or a budget to spend in a special climate store.

We have a 4.9/5 rating based on 746 reviews.

These factors help us keep our customers satisfied.

We always strive for the best-fitting offer

We compare for you with over 40+ lenders, always independent!

Always reliable, your personal advisor

For all your questions, you have contact with one advisor, whom you can rely on!

Your first consultation is always free and without obligation

Schedule an introductory meeting this week, even in the evenings!

  • BLG Bespaarhypotheek
    2,99%
  • ASN Bespaarhypotheek
    2,99%
  • Woonnu
    3,03%
  • Obvion Woon Hypotheek
    3,04%
  • Reguliere hypotheek
    3,05%
Get access tothe lowest interest rateand thebest terms

Find your mortgage today! With just a few clicks, you’ll get access to the lowest interest rates and the best terms that match your situation. Don’t miss the opportunity to save on your mortgage. Start comparing now and discover how much you can save!

Calculate your maximum mortgage

Start calculation