What is NHG (Nationale Hypotheek Garantie)?
NHG (Nationale Hypotheek Garantie) is a guarantee scheme on Dutch mortgages. Under certain conditions, a residual debt after a forced sale can be waived.
English Nederlands
How it works
You pay a one-off premium. In return the lender takes less risk, which often results in a lower interest rate. NHG can act as a safety net in situations such as unemployment, incapacity for work, divorce or death, subject to conditions.
Points of attention
- NHG applies up to an annually set cost limit; see nhg.nl for current amounts.
- A residual debt is only waived under conditions.
- Not every property or situation qualifies.
Good to know
Options differ per personal situation and per lender. Always have your situation assessed personally.
Last updated: 27 August 2026