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July 2, 2025
Making your home more sustainable can not only reduce your energy bill, but also lead to a mortgage interest rate reduction thanks to initiatives such as the Sustainability Discount. By improving your energy label and optimizing the Loan-to-Value (LTV) ratio, you can make significant savings on your mortgage costs.
In this blog, Renewable Partners explains how this works and how solutions such as a Solar Carport can help you.
The Sustainability Discount, as offered by banks such as Rabobank, is an interest rate discount for mortgages on energy-efficient homes. Since January 1, 2025, you can receive this discount if your home has a definitive energy label A or higher, registered in EP-online. This applies to new loans, interest rate reviews, or even in the interim if you make your home more sustainable during the fixed-interest period.
Example: For a mortgage of €250,000 with a base interest rate of 3.85%, a Sustainability Discount of 0.15% can reduce the interest rate to 3.5%, which will save you a considerable amount each month.
You are eligible for a mortgage interest deduction if:
Please note: The discount only applies to fixed-rate loans and not to rental mortgages or variable interest rates. Check the current terms and conditions with your bank.
A higher energy label is the key to a sustainability discount. Here are some ways to make your home more sustainable:
These upgrades not only increase your energy label, but also the value of your home, leading to a better Loan-to-Value ratio. A lower LTV reduces the bank's risk premium, resulting in an additional interest rate reduction.
By making your home more sustainable, you will benefit from:
For rented properties, sustainability measures can also increase WWS points, which makes private sector rental possible. Read more in our WWS Optimization blog.
At Renewable Partners, we offer a Free Sector Analysis to make your home more sustainable and eligible for a Sustainability Discount. We analyze your energy label, WWS points, and location to suggest improvements, such as a Solar Carport or insulation. Our certified reports, starting at €650 (excl. VAT), are delivered within 5 business days with no call-out charges.
We work with certified energy advisors (via the EPA advisory platform) to register your final energy label in EP-online, which is essential for the discount.
With a mortgage interest discount via the Sustainability Discount, you can immediately save on your mortgage costs while making your home more sustainable. Contact Renewable Partners for a no-obligation quote and discover how you can improve your energy label!
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The difference lies mainly in the degree of insulation and the proportion of sustainably generated energy. An A label can be achieved with good insulation and an efficient installation. For A+++, more is needed: a large proportion of the energy must be generated sustainably, for example with solar panels and a heat pump.
The energy label is determined based on the fossil energy consumption of the home, expressed in kWh/m² per year. For an A label, this value is between 105 and 160 kWh/m² per year. With good insulation, an A label is easily achievable. Homes built after 1991 often already have sufficient basic insulation to fall into this category. Solar panels are therefore not necessarily required to achieve an A label.
Practical experience – reliable energy expertise and results-oriented collaboration
Making your home more sustainable can not only reduce your energy bill, but also lead to a mortgage interest rate reduction thanks to initiatives such as the Sustainability Discount. By improving your energy label and optimizing the Loan-to-Value (LTV) ratio, you can make significant savings on your mortgage costs.
In this blog, Renewable Partners explains how this works and how solutions such as a Solar Carport can help you.
The Sustainability Discount, as offered by banks such as Rabobank, is an interest rate discount for mortgages on energy-efficient homes. Since January 1, 2025, you can receive this discount if your home has a definitive energy label A or higher, registered in EP-online. This applies to new loans, interest rate reviews, or even in the interim if you make your home more sustainable during the fixed-interest period.
Example: For a mortgage of €250,000 with a base interest rate of 3.85%, a Sustainability Discount of 0.15% can reduce the interest rate to 3.5%, which will save you a considerable amount each month.
You are eligible for a mortgage interest deduction if:
Please note: The discount only applies to fixed-rate loans and not to rental mortgages or variable interest rates. Check the current terms and conditions with your bank.
A higher energy label is the key to a sustainability discount. Here are some ways to make your home more sustainable:
These upgrades not only increase your energy label, but also the value of your home, leading to a better Loan-to-Value ratio. A lower LTV reduces the bank's risk premium, resulting in an additional interest rate reduction.
By making your home more sustainable, you will benefit from:
For rented properties, sustainability measures can also increase WWS points, which makes private sector rental possible. Read more in our WWS Optimization blog.
At Renewable Partners, we offer a Free Sector Analysis to make your home more sustainable and eligible for a Sustainability Discount. We analyze your energy label, WWS points, and location to suggest improvements, such as a Solar Carport or insulation. Our certified reports, starting at €650 (excl. VAT), are delivered within 5 business days with no call-out charges.
We work with certified energy advisors (via the EPA advisory platform) to register your final energy label in EP-online, which is essential for the discount.
With a mortgage interest discount via the Sustainability Discount, you can immediately save on your mortgage costs while making your home more sustainable. Contact Renewable Partners for a no-obligation quote and discover how you can improve your energy label!
Practical experience – reliable energy expertise and results-oriented collaboration
I have experienced Renewable Partners as a reliable and professional party in the field of sustainable energy. They think along well, are transparent in their communication, and deliver customized solutions that really meet the need.
Professional and readily available for questions. I am very satisfied with the service and can recommend the company. Kind regards,
While my energy label doesn't matter at all, new residents are going to renovate the entire house, Nik has still made a thorough and clear report of my old farmhouse. TOP job. Thanks
The energy label inspector is a highly skilled professional who knows his trade. We were helped well and quickly with his advice. The reactions of this company are praising the price, the lowest, and the service, downright TOP!
The recording was done carefully. All documents and construction dimensions were checked/recorded by the advisor Ronan van der Loo. And good advice was given. He finished the recording within 2 hours.
