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National Mortgage Guarantee

Met NHG krijgt u een vangnet als u door onvoorziene omstandigheden uw Mortgage niet meer kunt betalen — en doorgaans een lagere rente.

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National Mortgage Guarantee
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Reviews 9.5 / 9.8

What is National Mortgage Guarantee?

NHG is a guarantee on your mortgage. If you are no longer able to pay your mortgage due to unforeseen circumstances such as unemployment, disability, or divorce, and the home must be sold at a loss, the remaining debt may be waived under certain conditions.

Because the risk for the lender decreases, you generally receive a lower interest rate with NHG. For this, you pay a one-time guarantee commission on the mortgage amount.

NHG

More about NHG

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Interest rates and conditions vary by lender.
Application via the provider
Advice, assessment, and processing are handled entirely through the lender.

What does NHG entail?

In the event of a forced sale due to unforeseen circumstances, the remaining debt may be waived subject to conditions.

Safety net for residual debt

In the event of a forced sale due to unforeseen circumstances, the remaining debt may be waived subject to conditions.

interest rate reduction

Lenders generally charge a lower rate with NHG.

Cost limit

NHG applies up to a maximum home value. This limit is set annually. (check amount)

Higher limit for sustainability

If you take energy-saving measures, a higher limit applies.

surety commission

You pay a one-time percentage of the mortgage amount. (check percentage)

Terms and Conditions

Conditions apply regarding, among other things, the property and your situation.

What do you look out for?

✓NHG applies until a maximum home value; above that limit, it is not possible.
✓The surety commission you pay a one-time fee upon signing up.
✓Forgiveness is not automatically: conditions apply, including that the sale is the result of unforeseen circumstances.
✓The interest rate reduction kan The provisie op termijn terugverdienen — reken dit door.
✓Also at refinancing or renovating NHG may apply.

Frequently asked questions about NHG

What exactly is NHG?
National Mortgage Guarantee is a guarantee on your mortgage. If you are forced to sell your home at a loss due to unforeseen circumstances, the remaining debt may be waived under certain conditions.
Up to what amount does the NHG apply?
The NHG applies up to a maximum home value that is determined annually. If you take energy-saving measures, that limit is higher.
How much does NHG cost?
You pay a one-time surety commission: a percentage of the mortgage amount. This is usually offset by an interest rate discount.
Does NHG always result in a lower interest rate?
Lenders generally charge a lower rate with NHG because their risk decreases. The amount of the discount varies by provider.
Will my remaining debt always be forgiven?
No. Conditions apply, including that the forced sale is the result of unforeseen circumstances such as unemployment, disability, or the termination of a relationship.
Can I get an NHG (National Mortgage Guarantee) when refinancing?
That is possible, provided you fall within the applicable limits and conditions. The NHG may also apply to renovations or sustainability upgrades.
NHG

Compare NHG via Finass

✓Independent: we compare offers from multiple providers side by side.
✓Geen verkooppraatje — wij informeren, u kiest zelf bij welke aanbieder u aanvraagt.
✓For years, the trusted address in Bergen, NH for your insurance.
✓Rated 9.5 and 9.8 by our customers.
Finass Verzekert puts you in contact with specialized providers.

What our customers say about NHG

Customers rate Finass Verzekert on average with a 9.5 and the claims handling with a 9.8.

9.5
Customer review
9.8
Claims handling

“In één overzicht zag ik welke geldverstrekkers bij mijn situatie pasten. Prettig dat het To compare zelf niets kost.”

S
Sebastiaan T.
Mortgage orientation

“Overzichtelijk opgezet en zonder verkoopverhaal. The uitleg over rentevaste periodes was helder.”

T
Tobias B.
Refinancing mortgage

“Fijn dat de kosten en Terms and Conditions naast elkaar stonden. Ik wist daardoor welke vragen ik moest stellen.”

I
Isabel R.
To compare

“Als zelfstandige dacht ik dat het lastig zou worden. Het overzicht liet zien welke partijen hiermee werken.”

R
Rianne S.
Mortgage for self-employed

More about mortgages

View the other sections within mortgage.

Mortgage →

From calculating your maximum mortgage to refinancing and withdrawing equity.

Maximum mortgage →

How much can you borrow for a home?

Compare mortgages →

Interest rates and conditions vary by lender.

Oversluiten →

Are you paying a higher interest rate than is currently customary?

Overwaarde opnemen →

Is your home worth more than your mortgage debt?

Aflossingsvrij →

With an interest-only mortgage, you only pay interest.

Associated insurances

Financing and insurance go hand in hand. Finass Verzekert is your independent advisor for the insurance policies associated with them.

Opstalverzekering →

Mandatory with virtually every mortgage: coverage for the building.

Woonhuisverzekering →

Damage to your home caused by fire, storm, or water.

Inboedelverzekering →

Your belongings insured against fire, theft, and water damage.

Compare mortgages with NHG

With our partner, you can see which lenders offer NHG and the associated interest rate discount.