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National Heat Fund — 0% loan for sustainable home upgrades

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Borrow up to €69,000 for insulation + heat pump at 0% (low income) or 2-4% (other). Online application, decision in 6 weeks.

Reviewed by FFCheck-redactie · Last reviewed 2026-05-28

The National Heat Fund (warmtefonds.nl) offers interest-free loans for sustainability to households under an income limit (€45,014 single / €60,000 with partner, 2026), and market rates above. Term 7-20 years. Loan paid to installer, not you. Plan:

  1. energy advice from certified energy coach (often free via municipality)
  2. quote from certified installer
  3. application at Warmtefonds with quote + income
  4. approval in 6 weeks
  5. work executed
  6. payment direct to installer. Combinable with ISDEget subsidy + loan for the remainder. For tenants: separate route via landlord + rent-reduction arrangement.

Related

What is ISDE subsidyISDE subsidy: €30-€8,000 per measure (insulation, heat pump, solar boiler). Apply within 24 months of completion. We explain conditions + mo…Heat pump and your energy contractA heat pump shifts gas consumption to electricity — sometimes 3-5× higher annual use. Tariff, capacity, possible upgrade: explained.What is gas-free 2050Dutch homes go off gas before 2050 — planned per neighbourhood via Heat Transition Vision. What you can do now + your rights.

Sources

Updated: 2026-05-28

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KvK 82724822 BTW NL003722987B94