When looking for a home, you consider the asking price, location and number of bedrooms. But did you know that the energy label also affects how much you can borrow? An energy-efficient home may increase your mortgage capacity. Financing options are also available for energy-saving improvements.

Why does the energy label affect your mortgage?

An energy-efficient home generally has lower energy costs. The energy label is therefore taken into account when calculating your maximum mortgage.

This means a home with a higher asking price may still fall within your borrowing capacity.

How much extra can you borrow?

In 2026, the following additional amounts apply when buying a home, compared with a property with energy label E, F or G:

• Energy label C or D: €5,000.
• Energy label A or B: €10,000.
• Energy label A+ or A++: €20,000.
• Energy label A+++: €25,000.
• Energy label A++++: €30,000.
• Energy label A++++ with an energy performance guarantee of at least ten years: €40,000.

These amounts are not automatically guaranteed. Your income, financial commitments, property value and lender’s conditions remain decisive.

Can you also borrow extra for energy-saving improvements?

Yes. For a home with energy label E, F or G, up to €20,000 for eligible energy-saving improvements can be excluded from the income-based affordability assessment. For C or D, this is €15,000, and for A, B, A+ or A++, up to €10,000.

This money must be spent on eligible energy-saving measures. Have an adviser calculate which options can be combined. You cannot simply add together the allowances for the current and future energy labels.

How does OZQUR Makelaardij help you?

At OZQUR Makelaardij, we combine property market knowledge with mortgage advice.

We look beyond the asking price. Together, we assess your financing options, the energy label, the property’s condition and potential improvement costs. This helps you find a home that suits your needs and budget.

At OZQUR Makelaardij, we help you find your dream home in 5 steps

1 — Getting to know you & your preferences
We identify your housing needs and priorities.

→ Understand first, then search.

2 — Establishing your budget & options
Your buying agent and mortgage adviser assess your budget, including the energy label’s impact.

→ Know your options before searching.

3 — Viewing properties together
You focus on whether it feels like home. We assess its condition and potential.

→ You focus on the feeling. We handle the details.

4 — Assessing value & making an informed offer
We analyse comparable sales and agree on a bidding strategy.

→ Bid with confidence and financial clarity.

5 — From accepted offer to completion
We check documents, monitor deadlines and guide you through to handover.

→ Support until you receive the keys.

Buying in Eindhoven, Helmond or the surrounding area? Contact OZQUR Makelaardij to discover how the energy label affects your budget.

Yucel Samanci
Buying and selling agent at OZQUR Makelaardij, specialising in purchasing strategy, negotiations and guidance for Dutch, Turkish and expat clients.