Do you want to make your home more energy-efficient? Making your home more sustainable is not only good for the environment, but also for your energy bill and the value of your house.
At Crefin & Partners, we help you make smart choices and finance the sustainability upgrades to your home. Feel free to schedule a free, no-obligation consultation and discover what is possible for your situation.
A more energy-efficient home is often a smart investment. You save on monthly costs and, in many cases, your home increases in value. There are various ways to finance this:
Making your home more sustainable through your mortgage Are you buying a home and do you want to make it more sustainable immediately? Then you can often include the costs in your mortgage. In some cases, you can borrow up to 106% of the home value when co-financing energy-saving measures. This allows you to invest directly in a future-proof home.
Making your home more sustainable with a loan Another option is a separate loan for energy-saving measures, such as insulation, solar panels, or a heat pump. This is a consumer loan. The interest rate is often slightly higher than for a mortgage, but the closing costs are usually lower and the term often aligns well with the investment itself.
Determine which sustainability measures you want to take (insulation, solar panels, heat pump, home battery, etc.). Request quotes and also check for government subsidies.
Step 2: Meeting with the mortgage advisor
Our Mortgage Advisor provides you with advice and calculates how you can finance the costs of your renovation. We look at your financial situation and calculate whether a higher mortgage, second mortgage, or loan is best. The first consultation is free and without obligation.
Step 3: Arrange financing
Are you opting for a mortgage? Then we submit a valuation report and other documents to the bank. We compare 40 banks for the best deal.
Step 4: Signing the mortgage offer
Upon approval, you will receive the mortgage offer. After signing, the funds are set aside, sometimes in a construction deposit.
Step 5: Sustainability!
With the money from the construction deposit, you can pay the contractor who will make your house more sustainable. Time to make your home completely future-proof again!
How much does it cost to make a house sustainable?
In addition to the costs of making your home more sustainable, you may face extra expenses such as advisory fees, a valuation, or notary fees. At Crefin & Partners, you pay a fixed price for mortgage advice, which is also tax-deductible in many cases. Take a look at our rates page for more information.
How much can I borrow for sustainability improvements?
You can borrow up to 106% of your home's value for energy-saving measures. Our Mortgage Advisor will calculate it for you and provide advice.
What are the benefits of becoming more sustainable?
You save on energy costs and your home increases in value. In addition, you make a positive contribution to the environment. Crefin & Partners would be happy to explain all the benefits to you in a consultation.
Which measure is usually recouped the fastest?
Insulation often has the shortest payback period. Solar panels previously had a quick payback, but this has changed significantly for the worse recently due to fluctuating government policy in this area. The payback period for home batteries is expected to shorten in the future.
Are the costs for your advice and mediation tax deductible?
Our first consultation is free. For advice and mediation, you pay a fixed price, which is tax-deductible and can be found on our rates page.
