A new kitchen does not always have to mean spending your own savings. Many homeowners in the Netherlands can finance a renovation through a bouwdepot, home equity, or by refinancing their current mortgage.
Can You Renovate a Kitchen Without Savings?
Yes — in many cases, it is possible. If you own a home in the Netherlands, you may be able to finance your renovation through a bouwdepot, by using your home equity (overwaarde), or by refinancing your current mortgage.
In practice, this means that some homeowners can complete a renovation without having to use their personal savings.
Financing options depend on factors such as:
- the value of the property,
- the current mortgage,
- your income,
- the type of renovation planned,
- the expected increase in the property value after the renovation.
In the Netherlands, homeowners often use a bouwdepot — a mortgage-based solution intended for home renovations or property improvements. In many cases, it is also possible to use part of your home equity, meaning the difference between your property value and the remaining mortgage balance.
What Renovations Can Be Financed?
Renovation financing in the Netherlands often covers much more than just the kitchen itself.
Homeowners also choose to finance:
- energy-efficient kitchen appliances,
- opening the kitchen into the living room,
- new electrical installations,
- underfloor heating,
- new windows,
- better insulation,
- solar panels,
- air conditioning,
- full interior renovations.
Many of these improvements can positively affect your living comfort, monthly energy costs, and the future value of your property.
Does a Kitchen Renovation Increase Property Value?
In many cases, yes.
The kitchen is one of the most important rooms when selling a property. A functional and modern kitchen can:
- make the property more attractive,
- improve the first impression during viewings,
- increase the value of the home,
- make the property easier to sell in the future.
That is why many homeowners see a renovation not only as an expense, but also as an investment in their property.
What Should You Consider Before Starting a Renovation?
Before starting your renovation, it is worth checking:
- what budget is realistic,
- which financing options are available,
- whether the renovation may increase the value of your property,
- which improvements will be the most beneficial,
- whether multiple renovation projects can be combined into one financing solution.
A well-prepared plan can help avoid unnecessary stress and make better use of your available budget.
Complete Support for Internationals in the Netherlands
At Domek.nl, we make arranging a loan or mortgage in the Netherlands simple and stress-free. With more than 15 years of experience and a team of 100+ professionals, we help internationals understand their borrowing options, compare lenders, and find the solution that fits their situation.
We help with:
- checking financing possibilities,
- arranging a bouwdepot,
- communication with the bank,
- preparing documentation,
- analysing financial possibilities,
- organising additional property-related services.
Want to Check Your Renovation Financing Options?
Contact Domek.nl and find out what financing options may be available in your situation.
