Good news for homeowners and buyers: making your home more sustainable is now immediately rewarded with a lower mortgage rate at ING.

As of April 30, ING has introduced an innovative pricing model for mortgages in which the energy label of a home plays a central role in the interest calculation. Where previously a discount was only given for energy label A or higher, the interest is now adjusted to the specific energy label, from G to A++++.

Who does this new model apply to?

The new pricing model applies to:
– Customers who take out a new mortgage with a fixed interest rate
– Customers who renew their fixed interest period
– Customers who increase their existing mortgage
– Customers who adjust their current mortgage with a new interest rate proposal

Direct benefit from sustainability

The great thing about this arrangement is that if you improve your energy label during the fixed interest period by taking sustainable measures, ING will automatically adjust the interest from the next month. The bank bases this on the new energy label as registered with the Netherlands Enterprise Agency.

Folkert van der Ploeg, Director of Housing at ING Netherlands, states: “We not only want to help our customers achieve energy efficiency, but also to live in a future-proof and comfortable way.”

Triple benefit for homeowners

By investing in the sustainability of your home, you benefit from:
1. Lower mortgage interest rate
2. Higher home value
3. Lower monthly energy costs

Sustainability: Where to start?

Are you considering making your home more sustainable to take advantage of this lower mortgage rate? At M&D Real Estate we are happy to help you make the right decisions for your specific situation.

For the actual implementation, we work together with our specialized partner **Labelbewust**. They transform your home with care and attention to detail, and are specialized in installing sustainable solutions such as solar panels and heat pumps. With Labelbewust, you not only invest in a better energy label, but also in a more comfortable and sustainable home.

Contact us

Do you want to know what this new mortgage scheme can do for you or are you curious about the possibilities for making your home more sustainable? Then contact our office for a free consultation.

*For more information about the sustainability options, you can also take a look directly at http://www.labelbewust.nl.

Are you considering a heat pump for your home? Then it is important to know that there are changes coming to the subsidy policy, which may affect your sustainability plans.

New climate plans influence heat pump subsidy

Minister Sophie Hermans of Climate and Green Growth recently presented new climate plans stating that homeowners in neighborhoods where a heating network is planned will no longer be eligible for subsidies for a heat pump in the coming years. This measure is intended to get the stalled construction of heating networks going again.

The minister must still investigate whether this exclusion is legally feasible and enforceable. This means that it is important to inquire well about the status of your district before making investment decisions.

Vereniging Eigen Huis uit zorgen

The Dutch Homeowners' Association has already criticised these plans. They believe that consumers should retain the freedom to choose an alternative to gas. Furthermore, the association points out that the construction of a heating network can often take years. In the interim period, it can still be useful to install a heat pump.

Which measures will continue to be supported?

Even though the policy surrounding heat pumps is changing, there are still opportunities for sustainability with subsidies:

– Homeowners will continue to receive subsidies for insulation measures in the coming years
– In the future, new heat pumps must be able to be controlled intelligently
A special action plan will be introduced to promote bidirectional charging, whereby electric cars can also serve as a home battery for homes

What does this mean for you?

If you have sustainability plans for your home, it is now more important than ever to get good advice. At M&D Real Estate, we are happy to help you understand the subsidy and sustainability options that best suit your situation.

Do you live in a neighbourhood where a heating network may be installed? Then we can work with our partner Labelbewust to see which options are most beneficial for you, both in the short and long term.

Alternative sustainability options

Even if a heat pump is no longer eligible for subsidy in your neighbourhood, there are still several ways to make your home more sustainable:

Insulation measures (roof, floor, cavity wall and glass)
Solar panels (despite the lack of additional incentives in the new plans)
Hybrid heating systems
Smart energy management systems

Personal advice

Do you want to know what the changing regulations mean for your specific situation? Our experts from M&D Real Estate and Labelbewust are ready to draw up a suitable sustainability plan with you. This way you are well prepared for future developments and you make optimal use of the available subsidies.

Contact us for a no-obligation discussion about the possibilities for your home.

For more information about sustainable solutions, you can also take a look at http://www.labelbewust.nl.*