Foundation problems? Then you may get a lower mortgage.

Future homeowners facing foundation issues may receive lower mortgage amounts under the National Mortgage Guarantee (NHG) starting January 2027. NHG aims to prevent buyers from incurring unaffordable repair costs. Lenders will consider expected repair expenses when determining maximum mortgage amounts, based on risk assessments in property appraisals. In the Netherlands, climate change exacerbates foundation problems, with projections indicating that around 425,000 buildings will face such issues soon. Many homeowners cannot afford the necessary repairs, although some may finance them through banks. NHG emphasizes the importance of borrowing responsibly to ensure funds are available for future repairs. The timing of risk disclosures in the buying process has drawn criticism, with calls for sellers to share relevant information earlier.