Buying a house in the Netherlands? You have lots of mortgages to choose from

1 week, 4 days ago

Dutch home prices will climb 7.5% to average €520,000 next year: DNB

NL Times

Dutch home prices will continue to rise next year and the year after. On average, around 520,000 euros will be needed for a new home next year, De Nederlandsche Bank predicted. In addition, a well-functioning rental market is needed that could “function as a valve for the housing market.” DNB did note that first-time buyers are unlikely to see their …

Prices Home Prices Dnb

Lower incomes face further cut in the mortgage interest tax rate

Dutch News

The Dutch cabinet is planning to increase the mortgage tax relief rate for people on higher incomes, while cutting it slightly for people earning less than €38,441 a year from next year, the Financieele Dagblad reported on Monday. Mortgage tax relief in the Netherlands has been cut steadily since 2013, after experts criticised its impact on house prices because it …

Netherlands Tax Mortgage Rate Mortgage Tax Relief Lower Income

4 weeks, 1 day ago

Dutch government's tax plans will allow higher incomes to deduct more mortgage interest

NL Times

Homeowners earning a middle income or higher will be able to deduct more mortgage interest from their taxes next year, while the deduction for lower-income homeowners will become smaller, NOS reports based on the 2025 tax plan. Next year, this will be half a percentage point higher for homeowners earning higher incomes, while those earning lower incomes will be able …

Dutch Tax Income Mortgage Higher Earning Bracket

1 month, 1 week ago

People are borrowing more to buy a house as prices rise

Dutch News

Rising house prices and a drop in mortgage interest rates have boosted the average new mortgage in the Netherlands to €346,572, according to mortgage advisory group De Hypotheker. Since then interest rates have gone down slightly and the amount people can borrow, based on the value of the property, has risen. Last week, family spending institute Nibud said with wages …

De Hypotheker

1 month, 1 week ago

These insurances are mandatory in the Netherlands

NL Times

In the Netherlands, certain insurances are mandatory, such as health insurance and car insurance. There are also some insurances that are not compulsory in the Netherlands, but are advised: Personal liability insurance The Personal Liability Insurance is not mandatory. It’s sometimes confused with the mandatory third-party car insurance, but it’s important to know these are two different insurances. The WA …

Health Netherlands Car Insurance Mandatory This Insurance Legal Assistance Insurance Insurances

1 month, 3 weeks ago

Buying a Home in the Netherlands: A Comprehensive Guide for Expats

Dutch News

Buying a home in the Netherlands can be complex, but ABN AMRO has compiled a list of the most common questions people ask and answers them to help make the process easier. The video also covers the need to hire a real estate agent and how much the market value of the property affects your borrowing capacity.

Law Finance Real Estate Tax

9 months ago

House prices continue to rise, are up 4% on a year ago

Dutch News

House prices in the Netherlands were up 4.3% in February when compared with the previous year and are now heading back to their record level in July 2022, national statistics office CBS said on Friday. Real estate agents also report that overbidding is once again the norm, particularly on houses that do not require major renovations. The land registry office …

House Cbs Prices Continue

1 year, 1 month ago

Dutch housing market definitely recovering: mortgage advisor

NL Times

The housing market is definitely recovering, De Hypoheekshop reported based on data from parent company Ingage Franchise for October. In September, the mortgage advisor also saw that the housing market had picked up again and that home prices had risen despite rising mortgage interest rates. Higher interest rates have caused the prices in the housing market to fall slightly since …

De Hypotheekshop Recovering Mortgage

1 year, 2 months ago

Dutch housing update: your options in the current market

Dutch News

What is the latest on house prices? There are a few more homes coming on the market but it is still not what we hoped it would be, says Henk Jansen, founder of mortgage advisory group Expat Mortgages. “People are now overbidding again because there is high demand and low supply, although it is nothing like the situation last year,” …

Netherlands Prices Interest Rates House House Prices Henk Expat Mortgages

1 year, 2 months ago

Dutch housing update: your options in the current market

Dutch News

What is the latest on house prices? There are a few more homes coming on the market but it is still not what we hoped it would be, says Henk Jansen, founder of mortgage advisory group Expat Mortgages. “People are now overbidding again because there is high demand and low supply, although it is nothing like the situation last year,” …

Netherlands Prices Interest Rates House House Prices Henk Expat Mortgages

1 year, 7 months ago

Rise of first-time buyers drives down house prices in biggest cities

Dutch News

House prices are falling faster in the four largest cities than the rest of the Netherlands as first-time buyers become the dominant players in the market, according to land registry figures. The Dutch land registry Kadaster said 58% of homes in the cities are now sold to first-time buyers, compared to 50% a year ago. The national mortgage guarantee service …

House Nhg

1 year, 8 months ago

More signs that Dutch housing market is recovering: Mortgage adviser

NL Times

The Dutch housing market is showing more signs of recovering, De Hypotheker reported. The number of mortgage applications to purchase a home increased by 10 percent in the first quarter of 2023 compared to the previous quarter, Het Financieele Dagblad reports. The sharp decrease is mainly due to a huge fall in the number of mortgage applications for refinancing, -92 …

Mortgage Mortgage Applications

1 year, 9 months ago

Mortgage applications dropped by half in February

NL Times

Netherlands residents applied for half as many mortgages in February as in the same month last year, mortgage adviser De Hypotheker reported. In February 2022, demand for new mortgages reached a record high because many people wanted to refinance their mortgages, given looming interest rate hikes. “Although they take into account the still high house prices and higher interest rates, …

Mortgage Rates Mortgage Applications De Hypotheker Mortgage Application Hypotheker Sees

1 year, 9 months ago

Avoid tax panic attacks: top questions about Dutch tax

Dutch News

The bulbs are sprouting, winter is lifting and spirits are brightening: so, yes, it’s almost time for the Dutch tax office to send a blue envelope asking for your tax return. ‘If you file your tax by May, you get a refund before the summer holiday as they normally pay out in July,’ says an expert from tax adviser Blue …

Dutch Netherlands Tax Income Interest Blue Box

1 year, 9 months ago

Avoid tax panic attacks: top questions about Dutch tax

Dutch News

The bulbs are sprouting, winter is lifting and spirits are brightening: so, yes, it’s almost time for the Dutch tax office to send a blue envelope asking for your tax return. ‘If you file your tax by May, you get a refund before the summer holiday as they normally pay out in July,’ says an expert from tax adviser Blue …

Dutch Netherlands Tax Income Interest Blue Box

1 year, 10 months ago

Single-income first-time buyers can afford only 3.4% of Netherlands homes

NL Times

Despite falling home prices, first-time buyers still have little chance in the Dutch housing market. An average single-income first-time buyer can only afford 3.4 percent of owner-occupied homes in the Netherlands, according to figures from appraisal company Calcasa. They have risen much faster than incomes in the past five years and also much faster than interest rates fell in the …

Netherlands Average Buyers Afford Buyer Home Prices Pellemans

1 year, 10 months ago

Dutch housing update: house prices, transparency and borrowing

Dutch News

2023 has started up with a flurry of housing news, including a further drop in house prices and predictions of more to come. House prices are continuing to fall House prices fallen for five months in a row as rising interest rates reduce borrowing, according to the Dutch national statistics office CBS. ‘There has been a lot of negative news …

Housing Dutch Netherlands Prices Interest Rates House House Prices

1 year, 11 months ago

Housing prices to fall 8% in EU with “years of declining” prices in Netherlands

NL Times

Home prices in the Eurozone will fall in the next two years, and the Netherlands and Germany will be hit hardest with a fall of around -8 percent by the end of 2024, according to credit insurer Allianz Trade. “After ten years, this is now coming to an end, and we are heading for years of decline.” In Sweden, home …

Netherlands Sweden Fall Housing Prices Home Prices

2 years ago

Dutch housing update: it's not all bad news for buyers and sellers

Dutch News

A round-up of the latest housing news, brought to you by Expat Mortgages. There is some good news for buyers 2022 may have been a challenging year for buyers and sellers but there is some good news out there, says Henk Jansen, founder of mortgage specialists Expat Mortgages. ‘In the first quarter of next year we will still have fewer …

Mortgage Interest Rates Expat Mortgages Rates Good Buyers

2 years, 1 month ago

Netherlands to offer higher mortgages for energy efficient homes from 2024

NL Times

From 2024, Netherlands residents may be able to get a higher mortgage for an energy-efficient home than for a home with a lower energy label. According to Minister Hugo de Jonge for Housing, people who pay less for energy because their homes are well insulated, for example, can responsibly afford a higher mortgage. Currently, mortgage lenders look at the total …

Mortgage De Jonge Offer Higher

2 years, 2 months ago

Dutch housing update: prices are down, interest is up

Dutch News

A round-up of the latest housing news, brought to you by Expat Mortgages. House prices and interest rates There are now real signs that the overheated Dutch housing market is cooling down, as interest rates rise and buyers are faced with less borrowing capacity. ‘After all, think of what you will end up paying in rent.’ Legal changes There was …

Interest Rates Interest Henk Expat Mortgages

2 years, 2 months ago

Dutch housing update: prices are down, interest is up

Dutch News

A round-up of the latest housing news, brought to you by Expat Mortgages. House prices and interest rates There are now real signs that the overheated Dutch housing market is cooling down, as interest rates rise and buyers are faced with less borrowing capacity. ‘After all, think of what you will end up paying in rent.’ Legal changes There was …

Interest Rates Interest Henk Expat Mortgages

2 years, 2 months ago

Mortgage interest rates near highest point in eight years

NL Times

Mortgage interest rates in the Netherlands are currently at their highest point since the beginning of 2014. The mortgage adviser blamed the rate hikes on interest rate increases by central banks like the European Central Bank and the American Fed, as well as the sabotage of the Nord Stream pipelines last week. For comparison, the mortgage interest rate was historically …

Mortgage Interest Rate Rates

2 years, 3 months ago

Buying a new home or leaving NL? What should you do about your current property?

Dutch News

Do you own a house in the Netherlands but are moving to a new country? It is worth noting, however, that ABN AMRO mortgages can usually be adjusted easily, so you won’t have to agree a new deal or go to a notary again. There are, however, some downsides to renting out property which you should take into account: You …

Netherlands Mortgage Rental Income Amro Abn Rent Property

2 years, 3 months ago

Buying a new home or leaving NL? What should you do about your current property?

Dutch News

Do you own a house in the Netherlands but are moving to a new country? It is worth noting, however, that ABN AMRO mortgages can usually be adjusted easily, so you won’t have to agree a new deal or go to a notary again. There are, however, some downsides to renting out property which you should take into account: You …

Netherlands Property Mortgage Rent Rental Amro Abn

2 years, 4 months ago

Single average Dutch people have nearly no chance of buying a home: Mortgage advisor

NL Times

For single people with an average income, the chance of finding an affordable owner-occupied home in the Netherlands is virtually nonexistent, mortgage broker De Hypotheker concludes after research. This is mainly because these potential home buyers are able to borrow less than last year due to the increase in mortgage interest rates. "The supply of affordable housing for this group …

Supply Income Mortgage Average Last Year Single Housing Available

2 years, 7 months ago

Dutch home prices still climbing, but slowing down

NL Times

House prices in the Netherland rose sharply again in April. But the pace at which home prices are increasing is lower than at the beginning of this year, according to new figures from Statistics Netherlands. "The lowest mortgage interest rates have risen about three times since the beginning of the year," said financial expert Amanda Bulthuis of comparison site Geld.nl. …

Price House This Year

2 years, 10 months ago

High rent but still no mortgage? New scheme may help home-buyers

Dutch News

A new scheme is being launched in the Netherlands to help tenants who pay high rents but have been unable to get a mortgage to buy a place of their own. The scheme, which is being run under the auspices of the National Mortgage Guarantee agency, will help people who have been denied a mortgage even if they are paying …

Help Tenants Nhg High Rent

2 years, 10 months ago

High rent but still no mortgage? New scheme may help home-buyers

Dutch News

A new scheme is being launched in the Netherlands to help tenants who pay high rents but have been unable to get a mortgage to buy a place of their own. The scheme, which is being run under the auspices of the National Mortgage Guarantee agency, will help people who have been denied a mortgage even if they are paying …

Help Tenants Nhg High Rent

3 years, 1 month ago

The Hague also plans to block investors from buying homes to rent them

NL Times

Local politicians in The Hague are looking at how they can join Amsterdam and introduce real estate restrictions that would require home purchasers to live at the property for four years. In Amsterdam, the purchase protection plan would take effect for homes with an official WOZ valuation of up to 512,000 euros. "We are noticing that the purchase of existing …

Homes Hague Rent

3 years, 2 months ago

Housing update: Buying a home in the current market needs patience and preparation

Dutch News

A round-up of the latest housing tips, brought to you by Expat Mortgages. Buying a home in the current climate is both stressful and time consuming but that does not mean you won’t succeed, says Henk Jansen, of Expat Mortgages, who has been advising international workers on mortgages for 14 years. Everything that does come onto the market now is …

Market Dutch Property Buying Henk Online Mortgage

3 years, 2 months ago

Housing update: Buying a home in the current market needs patience and preparation

Dutch News

A round-up of the latest housing tips, brought to you by Expat Mortgages. Buying a home in the current climate is both stressful and time consuming but that does not mean you won’t succeed, says Henk Jansen, of Expat Mortgages, who has been advising international workers on mortgages for 14 years. Everything that does come onto the market now is …

Market Dutch Property Buying Henk Online Mortgage

3 years, 2 months ago

Why international workers in the Netherlands want a home of their own

Dutch News

Judging by several recent articles, the Dutch press seem to be surprised that international workers are actually buying property in the Netherlands. This summer the main Dutch financial newspaper ran an article highlighting the fact that expats are increasingly likely to buy a house in the Netherlands, rather pay the high rents so common in Amsterdam and the other big …

International Netherlands Interest Rates House High International Workers

3 years, 2 months ago

Why international workers in the Netherlands want a home of their own

Dutch News

Judging by several recent articles, the Dutch press seem to be surprised that international workers are actually buying property in the Netherlands. This summer the main Dutch financial newspaper ran an article highlighting the fact that expats are increasingly likely to buy a house in the Netherlands, rather pay the high rents so common in Amsterdam and the other big …

International Netherlands Interest Rates House High International Workers

3 years, 4 months ago

Dutch home prices up 16 percent; Biggest increase in 21 years

NL Times

In July, existing owner-occupied homes in the Netherlands were 16.3 percent more expensive than the same month last year - the largest price increase since October 2000 when home prices also jumped 16.3 percent, Statistics Netherlands said on Monday. Since the post-credit crisis low point on the Dutch housing market in June 2013, home prices increased steadily to their highest …

Homes Dutch Netherlands Home Prices Prices Increase

3 years, 4 months ago

Experience bank: moving to the Netherlands

Dutch News

An ABN AMRO banking expert shares his decades of experiences in helping people move to the Netherlands and set up their affairs here. ‘A client came not knowing what was happening here,’ recalls Daniel Poot, who has spent his 50-year career at ABN AMRO assisting all kinds of immigrants from well-travelled diplomats to first-time expats. Clients I’ve had for 20 …

Netherlands Bank Poot

3 years, 4 months ago

Experience bank: moving to the Netherlands

Dutch News

An ABN AMRO banking expert shares his decades of experiences in helping people move to the Netherlands and set up their affairs here. ‘A client came not knowing what was happening here,’ recalls Daniel Poot, who has spent his 50-year career at ABN AMRO assisting all kinds of immigrants from well-travelled diplomats to first-time expats. Clients I’ve had for 20 …

Netherlands Bank Poot

3 years, 6 months ago

Buying a house in the Netherlands with an online mortgage: pros and cons

Dutch News

Buying a house in the Netherlands is easier than you may think, particularly now that more of the process can be done online. ‘It was the coronavirus pandemic and the need to move so much of our work online that lead to the idea,’ says Chiel Versteege of MyDutchMortgage.online, the Netherlands first fully online mortgage broker. ‘People who want to …

Netherlands Online Mortgage Process Broker Chiel

3 years, 6 months ago

Buying a house in the Netherlands with an online mortgage: pros and cons

Dutch News

Buying a house in the Netherlands is easier than you may think, particularly now that more of the process can be done online. ‘It was the coronavirus pandemic and the need to move so much of our work online that lead to the idea,’ says Chiel Versteege of MyDutchMortgage.online, the Netherlands first fully online mortgage broker. ‘People who want to …

Netherlands Online Mortgage Process Broker Chiel

3 years, 9 months ago

Persistent pandemic will delay economic recovery: Dutch Central Bank

NL Times

The economy will recover more slowly than Dutch central bank DNB expected due to an extended and stricter lockdown. “Despite all good intentions, the Netherlands is not the best student in the European class when it comes to sustainability lessons.” Low-interest rates impact general public Another prediction that the DNB has for the future is that interest rates on savings …

Economy Climate Change Europe Pandemic Dutch Netherlands Bank

3 years, 11 months ago

Record number of mortgage applications in Netherlands last year

NL Times

Over 500 thousand mortgage applications were submitted in the Netherlands last year, an increase of almost 25 percent compared to 2019, which was already a record year, Hypotheken Data Netwerk reported on Thursday. Most applications were for the purchase of a new home, but refinancing or taking out a second mortgage also skyrocketed seeing increases up to 50 percent, HDN …

Mortgage Interest Many People Van Den Berg

3 years, 11 months ago

Mortgage interest rates at record low in Netherlands

NL Times

The mortgage interest rates in the Netherlands dropped to a record low over the past year. Those who took out a 20 year mortgage with National Mortgage Guarantee on January 1 did so at an interest rate of 1.23 percent, compared to 1.48 percent a year earlier, according to figures from comparison site Rente.nl, RTL Nieuws reports. A low mortgage …

Mortgage Interest Rates Interest Rate

3 years, 11 months ago

A year like no other: (Coronavirus free) list of top stories in 2020

NL Times

2020 was a year unlike any other. Unprecedented low mortgage interest rates The interest rate for a ten-year mortgage with national mortgage guarantee NHG fell below 1 percent for the first time in February. Single client causes a 183-million-euro loss for ABN Amro Dutch bank ABN Amro took a 183-million-euro blow to its profits after a single US client failed …

Dutch Netherlands Boeing Interest Rate

3 years, 11 months ago

Law Changes 2021: Housing and Living Environment

NL Times

The Dutch government will implement over 60 new rules, regulations, and law changes at the stroke of midnight on January 1. Below is a summary of the 2021 changes made in the category Housing and Living Environment: First-time home purchasers from 18 through 34 years of age do not have to pay 2 percent transfer tax over the value of …

Energy Euros Law Changes Changes 2021 Law Changes 2021

4 years, 2 months ago

Talking taxation: four issues which you might not have thought about

Dutch News

The Dutch tax office has an advertising slogan about making it easier to sort out your tax affairs, even though this is something nobody likes to do. ‘Of course, if you have a straightforward job, don’t own a house and speak Dutch you can file your taxes pretty easily,’ says Lennart Suurmond, from tax advisory company J.C. Suurmond Tax Consultants. …

Netherlands Tax Tom Our Clients Lennart Dutch Property

Buying a house in the Netherlands? You have lots of mortgages to choose from

History of this topic

A home of your own? Key tips for first time buyers in 2022

A home of your own? Key tips for first time buyers in 2022

Buying a house in the Netherlands? You have lots of mortgages to choose from

Discover Related