What information is needed?
The lender assesses evidenced income, interest, term, loan type, property value and other commitments. AOW and supplementary pensions may count, but temporary annuities and variable amounts require separate assessment. Pension income is not always guaranteed stable.
Future pension income may be considered as retirement approaches. NHG describes including it from age 57. Ask how a temporary income gap between partners’ AOW dates is treated. Gross pension income of €30,000 alone does not justify promising a mortgage of €150,000 to €200,000.
Options for older borrowers
Subject to conditions, NHG has a moving arrangement permitting actual housing-cost assessment where new costs are equal or lower. It also has an arrangement for a temporary shortfall caused by different AOW dates. This is conditional assessment, not an automatic right to extra credit.
The 2026 NHG limit is €470,000, or €498,200 with qualifying energy-saving measures. This is not an amount every applicant can borrow. Lenders and NHG impose further conditions.
Look beyond monthly payments
Check what happens when a temporary payment ends, rates change, your partner dies or you need to move. Age does not automatically require every mortgage to have a shorter term. The 30-year tax-deduction period and contractual loan term are different matters.
Equity-release mortgages can offer a different financing structure, with different risks and conditions. Request a written calculation and fee overview from an authorised external mortgage adviser. Include the amount you need to retain for living costs and unexpected expenses.
What does BPH do?
Bureau Pensioen Hulp has no AFM licence. BPH provides general education and, on request, can introduce you to an external adviser using contact details only. BPH does not provide personal product recommendations, compare products for you or mediate in arranging them. Check an external adviser’s authorisation, services and fees yourself.
Frequently asked questions
Can I always borrow the NHG limit?
No. It limits the guarantee; income, expenses, property and conditions determine feasibility.
Is pension income always fixed?
No. Check variable components and end dates of temporary payments.
Sources and reference date
Reference date: 28 October 2026. Check your own scheme and current conditions before deciding.