6 financing options you should be able to explain as an installer

Energy prices continue to fluctuate. And homeowners are feeling the impact. As a result, making homes more sustainable is more relevant than ever. At the same time, there’s growing uncertainty among homeowners. What will it cost? What are the benefits? And above all: how will you pay for it? This presents a major opportunity for installers. Because the clearer you make the financing options, the easier it is for customers to make decisions.

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No one-size-fits-all solution

Some customers prefer to pay off their balance immediately. Others are mainly looking for the peace of mind that comes with a fixed monthly payment. Often, the best option lies somewhere in between. But what’s often missing is a clear overview. From subsidies to sustainability loans: it’s all out there. Yet for many consumers, it still feels like financial mumbo jumbo. The result? Doubt at the kitchen table. Procrastination. No action. That’s exactly where an opportunity lies for the market. Because whoever provides clarity helps the consumer move forward. That’s why we’ll start by listing all the options. It’s much more pleasant that way.

Fewer doubts. Greater clarity.

There are several options for financing a heat pump, home battery, or HR++ glass. But they all work slightly differently.

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1. Personal savings

Paying for a heat pump entirely out of pocket? Of course you can. But that also means your savings are tied up in your home. And not everyone is comfortable with that. That’s why many homeowners choose to finance (part of) the cost. That way, they can keep their savings available and take advantage of low-interest loans.

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2. National Head Fund

The National Heat Fund exists to make sustainability more accessible to more people. The fund operates on behalf of the national government and helps households finance their investments.

Instead of paying everything at once, consumers take out a loan and make monthly payments.

The interest rate is usually lower than for a standard loan, ranging from about 3.66% to 4.23%. In some cases, you can even borrow at 0% interest. This keeps monthly payments manageable, and you can often cover (part of) the investment with the savings on your energy bill.

This way, homeowners don’t have to incur large upfront costs, but they can still make their homes more sustainable. Want to know more? You can find a sample calculation here.

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3. Increase the mortgage amount

You can also include sustainability improvements in your mortgage financing. This means you borrow an additional amount on top of your existing mortgage—up to approximately €9,000—for energy-saving measures, such as a hybrid heat pump.

The advantage: a lower interest rate than with most loans. The downside: it takes a bit more time to arrange. For more information, check the green loan section with your mortgage lender.

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4. Standard Grant (ISDE)

The ISDE subsidy is a government program designed to help make homes more sustainable. Are you investing in energy-saving measures, such as insulation, a heat pump, or a solar water heater? Then you’ll get a portion of your investment back.  How much depends on what you do. It’s often a few thousand euros. The best part: you can often combine this subsidy with other programs. This means your total investment will be lower than you think.

And even better: the application process doesn’t have to be a hassle. In many cases, it’s simply taken care of for you. This makes sustainability not only smarter but also a lot more accessible.

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5. Local grants

In addition to national programs, there are often local subsidies available as well. More and more municipalities and provinces are offering assistance if you want to make your home more sustainable. For example, they may provide an additional grant for a home battery.

You can often combine this with the ISDE subsidy. This further reduces the amount you have to pay yourself. However, what’s available varies by municipality, and the conditions may differ. You can find the current programs on your municipality’s or province’s website.

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6. Sustainability discount through the bank

More and more Dutch banks are giving sustainability a boost in 2026. From cashback and free energy advice to discounts on your mortgage interest rate. Check with your bank to see what’s available. A nice bonus, right?

In short: the options are there. But they’re scattered everywhere. That’s exactly why people give up. As a platform, Prets brings everything together in a single overview. Consumers see what’s possible, what it costs, and what they get out of it. You make it clear and easy to understand. That helps customers move forward faster. Want to learn more? Request a demo today.

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