NHG works with the Homeownership Guarantee Fund (WEW). The Homeownership Guarantee Fund was established in 1993 on the initiative of the Ministry of Housing, Spatial Planning and the environment (VROM) and the Association of Netherlands Municipalities (VNG). Its main aim is to responsibly promote the purchase of private property. 

For most people, buying a home is the biggest investment they will ever make. As this involves a large amount of money that virtually nobody has in their bank account, this generally means taking out a mortgage. In other words: a long-term financial liability. Besides keeping an eye on interest rates, it is therefore a good idea to think about the risks. What will your financial situation be in ten years? Will you still be able to pay the mortgage if you are made redundant or if your marriage breaks down? Fortunately, you can minimise the financial consequences with the National Mortgage Guarantee (NHG). And the best part is: because NHG cuts interest rates considerably, you can save money! 

Buying a home with NHG always is...

Responsible
NHG prevents you borrowing more than you can financially afford. Besides your monthly costs, you will have enough money left over for important things like insurance and the household shopping.

Affordable
Thanks to the guarantee provided by the NHG, you will receive a cut in your interest rate from your mortgage lender. This can be as much as 0.6%, saving you hundreds of Euros every year! You also pay a one-off, tax deductible fee equalling 0.55% of the mortgage amount. However, you can generally recover this sum within a year, after which you will benefit from a lower interest rate year after year. In other words: without NHG, you not only take needless risks, but you are also robbing your own purse!  

Safe
You may  find that you are unable to pay your mortgage. If this results in you having to sell your house, the proceeds from the sale may not be sufficient to pay off the remaining mortgage debt. In this case, NHG will pay this residual debt to the mortgage lender.

Mortgage payment facility
If you are temporarily unable to make your mortgage payments in full as a result of unemployment, disability, divorce or death of your partner, you may be eligible for the WLF. The WLF helps you out in difficult times!