Sustainability Discount
From 1 April 2026: benefit from a better energy label
What is the sustainability discount?
The sustainability discount, a reduction on your mortgage interest rate, applied from 1 August 2021 until 1 April 2026. Until 1 April 2026, you could receive a sustainability discount on your mortgage interest rate as a reward for owning an energy-efficient home with energy label A or B. From 1 April 2026, your home’s energy label will influence your mortgage interest rate, and we will no longer offer a sustainability discount.
Do you currently receive a sustainability discount on one or more parts of your mortgage? If so, you will keep this discount for the duration of the fixed-rate period of that loan part. Would you like to know whether you qualify for a sustainability discount? Please contact us or your (independent) adviser.
More about the sustainability discount
Have you received an interest offer on or after 1 April 2026?
From 1 April 2026, any energy label may influence the mortgage interest rate you pay.
Still receive a sustainability discount within 24 months
Does your home have energy label C or lower and are you planning to make it more sustainable? If your interest offer or offer for a new fixed-rate period was issued after 1 April 2024 and before 1 April 2026, you may still qualify for the sustainability discount. To receive it, you must register energy label A or B within 24 months of the start of your interest-rate contract. If you qualify, the sustainability discount will be applied automatically. Read here how this works if you are using the moving-home scheme.
For which mortgages did the sustainability discount apply?
For loan parts with a fixed-rate period from 1 to 30 years. For all repayment types, except for:
- Duurzaam Wonen Hypoyheek (Sustainable Home Mortgage)
- bridging mortgages
- loan parts with a variable interest rate.
Free energy label worth €295 for sustainable renovations
If you’re planning to renovate your home to make it more sustainable, and you take out a Duurzaam Wonen Hypotheek (Sustainable Home Mortgage), Energiespaarbudget (Energy-Efficiency Budget) or Energiebesparende voorzieningen (Energy-Efficiency Measures), you’ll receive a free voucher from us for an energy label worth €295. Take a look at the terms and conditions and make a no-obligations appointment to discuss financing options for your sustainable renovation.
When am I eligible for the sustainability discount?
- If you buy a home with a valid registered energy label B or higher
- If you renovate a home to energy label B or higher and you register the energy label within 24 months of the start of your fixed-rate period
- If you buy a newly built home
If you have a mortgage with ABN AMRO and a home with a valid registered energy label B or higher, your discount will automatically be included in the interest rate review.
Energy Saving Check
By investing in the sustainability of your home, you may be able to reduce your energy consumption and increase the comfort of your home. The improvements you can make include installing solar panels or insulating your home. Curious about the possibilities in your home? The free online Energy Saving Check takes just three minutes.
More about the energy label
Your energy label
An energy label indicates the energy efficiency of a home. A home with energy label A (or higher) is very energy efficient, while a home with energy label G is less energy efficient. An energy-efficient home often means lower energy costs, increased comfort and lower CO2 emissions. An energy label is valid for 10 years. After 10 years, you must register your energy label again. Via Milieu Centraal, you can easily see what your current energy label is and how long it is valid.
Registering your energy label
Not all homes have a valid registered energy label. You will receive a valid registered energy label when buying a home. You can also have your energy label registered by an energy adviser. The energy adviser will visit to inspect your home and will then carry out an energy performance calculation. You will then receive a valid registered energy label.
Why ABN AMRO is concerned with energy efficiency
We find it important for our society to become more and more sustainable. This is why we are developing sustainable solutions, such as the sustainability discount. And this is why we are a partner in 'Iedereen doet wat (Everyone plays their part)'. This government initiative is about taking steps together to make the Netherlands sustainable. Want to join us?
Example calculation – Annuity Mortgage
| Mortgage loan amount | € 200.000,00 |
| Interest rate | 2,00% |
| Loan period | 30 years |
| Interest amount | € 333,33 |
| Repayment | € 405,91 |
| Gross monthly payment | € 739,24 |
| Total mortgage price | € 266.126,40 |
| Annual percentage rate of charge (APRC) | 2,02 % |
Example calculation explained
The example is based on:
- An Annuity Mortgage
- A period of 30 years
- No insurance premiums
- The monthly payment for the first month
Example calculation – Annuity Mortgage
| Mortgage loan amount | € 200.000,00 |
| Interest rate | 2,00% |
| Loan period | 30 years |
| Interest amount | € 333,33 |
| Repayment | € 405,91 |
| Gross monthly payment | € 739,24 |
| Total mortgage price | € 266.126,40 |
| Annual percentage rate of charge (APRC) | 2,02 % |
Example calculation explained
The example is based on:
- An Annuity Mortgage
- A period of 30 years
- No insurance premiums
- The monthly payment for the first month
Why choose sustainability
Potential reduction in energy consumption
Energy efficiency measures may help you reduce your energy consumption.
Better environment
A sustainable home is better for the environment. After all, your fossil fuel consumption is much lower.
More comfortable living
An insulated home is less draughty and retains heat better.