Can expats use NHG?
NHG (Nationale Hypotheek Garantie) is not linked to nationality. Conditions do apply, including an annual cost limit.
English Nederlands
What to check
- The annual cost limit (see nhg.nl for current amounts).
- The conditions of NHG and of the lender.
- Your residence status and income.
Good to know
Options differ per personal situation and per lender. Always have your situation assessed personally.
Last updated: 27 August 2026