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Financing renovations in the Netherlands
Are you a homeowner in the Netherlands? Then you may be able to finance renovations by increasing your mortgage or using the surplus value of your home.
This can be used for a new kitchen, bathroom, dormer window, roof, windows, solar panels, heat pump, or other home improvements.
We help you check what is possible in your situation — clearly, step by step, and in your language.
No one covers it all like we do!
Renovating your home should feel like a step forward, not a financial question mark. We bring everything together — from checking your home value and calculating your available budget to arranging your mortgage and guiding the full process. With more than 15,000 clients and support in multiple languages, we understand how to make renovation financing clear and accessible for internationals in the Netherlands.
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We’re happy to help
Do you have any questions? Contact us via email or give us a call — our team is here for you every step of the way.
In many cases, yes. If your home has increased in value, you may be able to finance the renovation through your mortgage. This depends on your income, property value, and current mortgage situation. We help you calculate what is possible.
Renovation costs are usually financed by increasing your existing mortgage or taking an additional loan. The bank assesses your income and property value before approving the amount. We guide you through the full process.
You can use it for improvements such as a new kitchen, bathroom, roof, windows, insulation, solar panels, or a heat pump. In general, it applies to renovations that improve your home.
The amount depends on your income, your remaining mortgage, and the current value of your home. The expected increase in property value after renovation can also play a role.
Yes. If you increase your mortgage, your monthly payments will also increase. We calculate this in advance so you know exactly what to expect before making a decision.
In most cases, yes. The bank requires a valuation to confirm the current market value of your property before approving additional financing.
Yes. Improvements such as insulation, solar panels, or a heat pump are often supported by banks and can sometimes come with better conditions. These upgrades can also reduce your monthly energy costs.
Usually not. The funds are often placed in a construction deposit (bouwdepot) and released in parts as the renovation progresses.
