Installing solar panels in the Netherlands is becoming increasingly popular. Rising energy prices and a growing focus on sustainability make many homeowners consider this investment.
But what if you don’t have savings to pay for it upfront? This blog will show you what options are available and how to get started.
In this article
- Can you install solar panels without your own money?
- How can you finance solar panels?
- Do solar panels pay off?
- When does it make sense?
- Solar panels without savings – a smart move?
Can you install solar panels without your own money?
Yes. In the Netherlands, there are several ways to finance solar panels without using your own funds.
Instead of paying everything upfront, you can spread the cost over time — often in a way that is partially or fully offset by your energy savings.
In practice, the right solution depends on your income, property value, and long-term plans. That’s why many clients choose to first speak to an adviser..
How can you finance solar panels?
1. Home equity release
If you already own a property, you may be able to use the value built up in your home (overwaarde).
You can increase your mortgage and use the additional funds to finance energy improvements such as solar panels.
- Lower interest rates compared to other financing options
- Long repayment period
- Often tax-deductible interest (depending on your situation)
At Domek, this is one of the most commonly used solutions among homeowners who want to invest in their property without using savings.
Read more about using home equity in the Netherlands.
2. Personal loan for energy improvements
Another option is a personal loan specifically used for sustainability upgrades.
- Quick approval process
- Fixed monthly payments
- No need to adjust your mortgage
This solution is often chosen by clients who prefer speed and simplicity — especially when the investment amount is lower.
3. Energy-saving financing options
In the Netherlands, there are also financing solutions dedicated to energy-efficient upgrades, such as the Energiebespaarlening .
- Competitive interest rates
- Flexible repayment options
- Incentives for sustainable improvements
Choosing between these options depends on your personal situation — which is why tailored advice can make a big difference.
Do solar panels pay off?
In many cases — yes.
Solar panels can significantly reduce your energy bills. Over time, the savings can offset the financing costs.
- Lower monthly energy expenses
- Increased property value
- More energy independence
- Contribution to a more sustainable future
When does it make sense?
The key is choosing the right solution — and structuring it in a way that works for your situation.
- You want to reduce your energy costs long-term
- You don’t want to use your savings
- You have sufficient borrowing capacity
- You plan to stay in your property for a longer period
If you’re unsure whether this applies to you, a consultation can give you immediate clarity.
Solar panels without savings – a smart move?
For many homeowners, the answer is yes.
With the right financing structure, you can avoid large upfront costs, start saving on energy immediately, and increase the value of your home.
The all-in-one service for internationals
At Domek, we make arranging financing for solar panels — or a 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 options, compare lenders, and find the solution that fits their situation.
Our advisors guide you through the entire process — from calculating your borrowing capacity and structuring your financing to comparing offers, explaining conditions, and preparing your application.
Whether you want to finance solar panels, renovate your home, or plan a property purchase, we support you at every step.
If you decide to move forward, we handle all the formalities — before the process, during it, and after everything is completed.
Call us today at 088 1021 500, send an email to info@domek.nl, or fill in the contact form.
No one covers everything like we do.
