
Sustainable Home: All Your Options
Saving energy, increasing comfort, or simply making your home more sustainable? Many households in the Netherlands are working on making their homes more sustainable. At Verbeterjehuis, you can easily find out which sustainability options suit your home and municipality. OptimaSolar will list the necessary options for you, as well as how you can finance them!

The National Heat Fund and Making Your Home More Sustainable
First of all, it’s good to know that there are various options for financing a sustainable home. The National Heat Fund, among others, offers the Energy Saving Loan. The foundation does not have a profit motive and strives for low interest rates. This means, for example, that they offer interest rates that remain the same throughout the term of the loan.

0% Interest and Different Terms
Currently, the interest rate is 0% for collective incomes below €60,000 per year. If it’s higher, the current interest rate (as of September 2023) is 4.3%. The term can be 7, 10, or 15 years. The Heat Fund is a government fund and is accessible to almost everyone. In practice, it’s possible that the monthly payment is lower than the savings on your energy bill.

Financing Solar Panels via Mortgage
Another option for financing sustainability is to increase your mortgage to 106%. It must be clear in advance what the money will be spent on, and this must be included in the valuation after renovation. Alternatively, you can borrow extra based on your income, up to a maximum of €9,000 or €15,000 for energy-saving measures like insulation, heat pumps, and solar panels. It is not necessary to specify in advance what the money will be used for.

(Hybrid) Heat Pump and Making Your Home More Sustainable
Homes are often still heated with an HR combi boiler. Nowadays, there are various options to (partially) replace the central heating boiler. For example, you can opt for a hybrid heat pump. This option works well because the pump is placed next to the existing central heating boiler and works in tandem with it. However, the heat pump uses electricity. Alternatively, you can opt for a full heat pump system, leaving the central heating boiler behind. There are various options for this, such as an air heat pump or a ground-source heat pump. OptimaSolar works with trusted partners for heat pump installations.

Sustainable Living: Heating and Cooling with Air Conditioning
An air conditioner can be considered an air-to-air heat pump because it can both heat and cool. Modern air conditioners are energy-efficient and can quickly heat a room. You can use them to heat specific rooms in your home without turning up the central heating. For example, your bedroom, study, or living room. The same applies to cooling specific rooms in the summer. However, if you want to heat the entire building, a heat pump is a better option. With air conditioning, an outdoor unit must be installed for each unit. OptimaSolar works with trusted partners for air conditioning installations, so we can arrange this for you as well.

Making Your Home More Sustainable with Solar Panels from OptimaSolar
A heat pump and air conditioning help reduce gas consumption, but how great would it be if you could power these devices with self-generated solar energy? That’s truly sustainable! Solar panels reduce your energy bill. Requirements? A sturdy flat or sloping roof and minimal shading. A south-facing roof is no longer essential—solar panels are often installed east-west nowadays, which helps spread the energy production more evenly throughout the day for better direct consumption. Plus, there is no VAT on solar panels anymore. Every home has its own needs, and based on these, OptimaSolar will create a solar panel plan tailored to your roof.

Making Your Home More Sustainable in Terms of Insulation
Once you start living sustainably, you’ll want to keep the heat inside. To do so, it’s important to ensure minimal heat loss and avoid letting in cold air. Think about roof insulation, cavity wall insulation, and floor insulation. Don’t forget that replacing your windows or frames can also improve insulation. HR++ glass or vacuum glass are options. A well-insulated house keeps the heat inside better, but also keeps it cooler in the summer!

Points to Consider!
Not everything is possible for every home. As a tenant, you have more options for making your home or business premises sustainable, but sometimes you need to account for the landlord or the Homeowners’ Association (VvE). If you rent, it’s important to know that the landlord is responsible for improving the energy efficiency of the property. You cannot make these changes yourself unless you’ve piqued the landlord’s interest. Consider suggesting insulation, solar panels, or a heat pump. Keep in mind that any rent increase shouldn’t exceed your savings.

The Homeowners’ Association (VvE) decides on building maintenance and sustainability. There are still a few things you can do yourself to make your home more sustainable, such as replacing window glass or opting for energy-efficient appliances. However, the options are limited. If the VvE collaborates, much more is possible, including solar panels, solar collectors, and heat pumps. There are even subsidies available for apartment complexes.
If you have any questions or need advice, you can reach us at 0800 – 2468 000. Feel free to schedule an appointment or for a no-obligation consultation.
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