Sustainable home mortgage
Buy or refinance an owner-occupied home with mortgage pricing linked to its energy label and an extra discount for qualifying biobased new builds.
Triodos Bank lends against your home: you repay the loan with interest, and the bank can sell the property if repayment fails. Homes with poorer energy labels can also qualify; more energy-efficient homes receive lower rates.
You can choose monthly payments that combine interest and repayment, either with a level total payment while the rate stays unchanged (an annuity mortgage), or fixed principal repayments plus interest on the remaining balance (a linear mortgage). An existing interest-only mortgage can be refinanced if its interest-only portion is at most 50% of the home’s market value. You pay interest during the term and must repay the balance at the end; a replacement loan then depends on your finances and the bank’s acceptance rules. Interest-only borrowing carries an additional interest surcharge.
Qualifying biobased new builds receive a further 0.25 percentage-point reduction from the A-label mortgage rate. MPG (MilieuPrestatie Gebouwen) measures the environmental burden of a building’s materials; a lower value means a lower burden. Find the value in the environmental-permit application. Use the current rate and cost page for the applicable interest rate; pricing also depends on the fixed-rate period, mortgage-to-property-value ratio and repayment form.
Eligibility
- You must live in the home yourself. It must have a permanent residential designation, with at least 75% of its floor area used privately. Homes rented out, even temporarily, are excluded.
- Triodos assesses your income, assets, existing financial commitments and the property’s value, and checks credit registers. Purchase costs cannot be added above the property-value borrowing limit; you need your own money for those costs.
- You can borrow alone or jointly. Each joint borrower is responsible for repaying the entire mortgage.
- For the biobased discount, a new build needs energy label A+++ or A++++ and an MPG of at most 0.9 for a house or 1.0 for an apartment. If the MPG was calculated before 1 July 2026 because the environmental permit was issued before that date, the threshold is 0.45. A timber home above the current thresholds can be individually assessed by Triodos; the discount is not automatic.
- Keep the property insured with a Dutch insurer against fire, storm, lightning and other usual property risks. Moving outside the Netherlands can allow the bank to demand immediate repayment.
How to apply
- Status
- Open continuously
Book a free orientation appointment with Triodos Bank through the linked appointment page, or call 030 694 2500. Formal applications go through a Triodos mortgage adviser or a cooperating independent intermediary. To refinance, transfer the whole mortgage.
Budget for mortgage advice, administration, valuation and notarial costs. If the bank approves your application and you accept its offer, the mortgage deed is completed with a notary. After you accept a mortgage offer, cancellation or failure to complete the mortgage deed by its final deadline costs 1% of the offered loan. This fee does not apply where, after acceptance, the seller demonstrably dissolves the purchase contract, you or your partner dies, your marriage or cohabitation agreement ends, or you become disabled or unemployed.
You can repay early without compensation using your own savings or equity from selling your former home; money borrowed from family does not count. Otherwise, the ordinary compensation-free allowance is 15% of the original loan per calendar year and loan part, with no carryover; repayment above it can incur a charge. Other exemptions include repayment at the end of a fixed-rate period, when the comparable bank rate is at least your rate, when selling and moving from the home (transferring only a share does not qualify), from the completed construction deposit, or when repaying a bridging loan. There are also exemptions after death (within one year), from pledged insurance/investment proceeds, and when the home is completely lost. Give at least 14 days’ written notice for full repayment.