The Dutch Authority for the Financial Markets published findings from its latest Consumer Monitor of mortgage holders showing that four in ten mortgage holders made additional home sustainability improvements over the past year, with the vast majority funding these investments entirely from savings. Homeowners who considered sustainability upgrades but did not proceed most often cited a lack of financial resources, even though multiple subsidy and financing routes exist. Awareness of key schemes has increased in recent years, including the Warmtefonds, financing energy-saving measures through the mortgage, mortgage-provider interest-rate discounts, and the Investment Subsidy for Sustainable Energy and Energy Saving (ISDE). In 2025, more than half of homeowners were familiar with each of these initiatives, but usage remained limited: reported ISDE use rose from one in ten in 2023 to more than one in seven in 2025, while around one in twenty homeowners reported ever using the Warmtefonds. Among those who upgraded in the past year, more than eight in ten paid with savings; the share reporting “other” funding methods rose from just over one in twenty in 2023 to more than one in ten in 2025, including municipal subsidies, homeowners’ association (VvE) financing, the Warmtefonds and personal loans. Just over one in ten financed upgrades with an additional mortgage, almost always after receiving advice (11% with advice versus 1% without), and a small group used consumer credit (3%). The share of mortgage holders who reported being approached by their mortgage adviser or lender about sustainability nearly doubled from one in twenty in 2022 to almost one in ten in 2025, and the AFM pointed to scope for advisers and providers to more proactively inform consumers about financing options.

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