Answers to your questions

An increase is a new part within your existing mortgage. You pay mortgage interest, usually lower than the rate on a personal loan, that interest is often tax-deductible and you repay over 30 or 15 years. Your current loan parts stay as they are, so you don't take out a new mortgage.

Possibly. Many lenders offer an interest discount for a better energy label, often on your entire mortgage. The value of your home also counts: if it has risen, you often fall into a lower risk class with a lower rate. What applies to you is shown in your numbers.

Often, yes: homes with a better energy label are valued higher on average. A certified valuer determines the value of your home; that valuation is included in the fee.

That depends on the measures and your home. The savings come from your installer's quote and are shown next to your new monthly payment, so you see right away what you have left each month.

The mediation fee is €775 (VAT exempt). It's financed within your mortgage and only paid once it completes. Included: the desktop valuation with report and the registration of your new energy label.

No. Until the engagement confirmation you can stop at any time at no cost. If you stop yourself after signing the engagement confirmation, we charge a cancellation fee of €300.

You finance the full amount of your quote. You receive the subsidy (for example ISDE) after the work and can use it to repay extra. We don't deduct anything automatically.

So that your income, tax data, pension and student debt come directly from the source. Nothing to retype, and the numbers are verified. You log in with the government itself; we only see the result.

No. Your installer only sees a coarse status: started, in progress, approved or paid out.

Derived results and your file, no raw source data where it isn't needed. We don't store your BSN. Sensitive data is stored encrypted, in the EU.

Usually we increase with your current lender. If that's not possible, you'll see it right away in your numbers. For an alternative you can get advice from De Hollandse Rekenkamer.

That depends on your income, your current mortgage and the value of your home. Measures that improve your energy label give you extra borrowing capacity. After your DigiD login you'll see your maximum right away.

A remote valuation by a certified valuer, based on register data and a model value. Usually ready within four working hours and included in the fee. For a high increase relative to the value, a physical valuation may be needed.

Yes. 30 years is the default, for the lowest monthly payment; you can also choose 15 years to repay faster.

No. groenbudget only works with participating sustainability partners. If one of them does the work on your home, your installer sends you a personal link to your application, with your quote already filled in. Not sure whether your installer participates? Ask them, or email us.

No, groenbudget does not give advice: you arrange the increase yourself. Because you take it out without advice, you first do a short test of your knowledge and experience; this is required by law. If this route doesn't suit you, or you would rather talk it through, we refer you to De Hollandse Rekenkamer for advice, with your consent.

You see your numbers within a few minutes after your DigiD login. The test and signing happen the same day. The desktop valuation is usually ready within four working hours. Then come the review and the lender; count on a few weeks until the binding offer.

Then you'll see that right after the check, with an explanation and at no cost. Where possible we show what you can do instead. If you think the outcome is wrong, you can ask for a human review, free of charge.

Yes. In your file you can request a call-back at any time. If you want advice, an adviser at De Hollandse Rekenkamer will call you.

If you own the home together and apply together, your partner also logs in with DigiD. It takes a few minutes and can be done at another moment.