Dutch housing market update: Here's what is changing in 2025
3 weeks ago

Dutch housing market update: Here's what is changing in 2025

Dutch News  

The start of a New Year brings new rules and regulations, as well as resolutions. And it’s mostly good news.” Single person bonus Single people, for example, will be able to borrow an extra €17,000, up from €16,000, to help them get a foot on the housing ladder. It may be tough to find something at that price in Amsterdam or Utrecht, but if you look outside the cities, you’ll have a much better choice.” Mortgage guarantee scheme The mortgage guarantee scheme will also cover more expensive homes next year, with the maximum coverage increasing by €15,000 to €450,000. “Don’t forget that, on top of that, you can also borrow an extra 6% to help make your new home more energy efficient,” Richardo points out. You can always go to your bank, of course, but it’s more sensible to explore a wide range of options, which an independent advisor can show you.” You can make an appointment with Richardo or another Expat Mortgages advisor here “If you’re single, buy a sustainable house, are under 35, and choose a property covered by the NHG, you may well find you can borrow a lot more than you thought.” Mortgage tax relief There are no major changes planned for the current mortgage tax relief system, but the government is introducing a new tax band next year.

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History of this topic

Housing market update: what you need to know in 2025
1 week ago

Housing market update: what you need to know in 2025

Dutch News  

The start of a New Year brings new rules and regulations, as well as resolutions. And it’s mostly good news.” Single person bonus Single people, for example, will be able to borrow an extra €17,000, up from €16,000, to help them get a foot on the housing ladder. It may be tough to find something at that price in Amsterdam …

Dutch home sales prices show largest jump in two years, Up 12% to €462,000
2 weeks, 3 days ago

Dutch home sales prices show largest jump in two years, Up 12% to €462,000

NL Times  

The average price of existing homes in the Netherlands surged to 461,931 euros in November 2024, reflecting an 11.9 percent increase compared to the same month in 2023, according to the Central Bureau of Statistics and the Land Registry Office. The average price of existing homes in November was 8.4 percent higher than the previous peak observed in July 2022, …

Dutch home prices will climb 7.5% to average €520,000 next year: DNB
3 weeks, 6 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 …

New Dutch mortgages hit record-high €506,000 average in November
1 month, 1 week ago

New Dutch mortgages hit record-high €506,000 average in November

NL Times  

The average mortgage value for buying a home in November was almost 506,000 euros - the highest level ever, the mortgage data network HDN reported on Monday. HDN called it striking that, while the prices for existing owner-occupied homes are skyrocketing, prices for newly built homes are remaining quite stable. In November 2020, 15 percent of mortgage applications for newly …

Lower incomes face further cut in the mortgage interest tax rate
Trending News
1 month, 2 weeks ago

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 …

Dutch government's tax plans will allow higher incomes to deduct more mortgage interest
1 month, 2 weeks 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 home prices jumped 11.5% in October; New record
1 month, 2 weeks ago

Dutch home prices jumped 11.5% in October; New record

NL Times  

The prices of existing owner-occupied homes in the Netherlands rose sharply again last month. CBS chief economist Peter Hein van Mulligen said last month that the housing market is continuing to overheat. According to the statistics agency, a new home can lead to two or three other homes coming onto the market. ABN Amro economists said in October that some …

People are borrowing more to buy a house as prices rise
1 month, 3 weeks 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 …

House prices continue to rise, are up 4% on a year ago
9 months, 2 weeks 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 …

Dutch housing update: your options in the current market
1 year, 3 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,” …

Dutch housing update: your options in the current market
1 year, 3 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,” …

Dutch house prices stabilise after months of decline
1 year, 4 months ago

Dutch house prices stabilise after months of decline

Dutch News  

House prices in the Netherlands now appear to have stabilised, with prices rising a marginal 0.5% in July compared with June, national statistics office CBS said on Tuesday. The year-on-year drop has now been 5.5% for the past three months, indicating that the decline in prices which started last August has now come to an end. House prices had risen …

Dutch house prices stabilise after months of decline
1 year, 4 months ago

Dutch house prices stabilise after months of decline

Dutch News  

House prices in the Netherlands now appear to have stabilised, with prices rising a marginal 0.5% in July compared with June, national statistics office CBS said on Tuesday. The year-on-year drop has now been 5.5% for the past three months, indicating that the decline in prices which started last August has now come to an end. House prices had risen …

House buyers are borrowing more, as market settles: Hypotheker
1 year, 5 months ago

House buyers are borrowing more, as market settles: Hypotheker

Dutch News  

The average mortgage taken out by clients of the Hypotheker advisory group was up 4% in July when compared to last year which is another indication that the market may be turning, the company said on Friday. The company also reported a 12% increase in mortgage requests in the first quarter compared with the last three months of 2022 and …

More signs that Dutch housing market is recovering: Mortgage adviser
1 year, 9 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 …

Dutch housing update: house prices, transparency and borrowing
1 year, 11 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 construction at highest level in decade; Still 26% below gov't target
1 year, 11 months ago

Housing construction at highest level in decade; Still 26% below gov't target

NL Times  

Last year, the number of new homes completed was the highest in ten years. But it was still well below the Cabinet’s target of 100,000 new homes per year. In total, over 74,000 new homes were created in the Netherlands last year, an increase of 0.9 percent. The Economic Institute for Construction reported last week that it expects fewer homes …

Dutch housing prices will fall 10 percent over two years, says ABN Amro
1 year, 11 months ago

Dutch housing prices will fall 10 percent over two years, says ABN Amro

NL Times  

Home prices in the Netherlands will fall 10 percent in the coming two years, 6 percent in 2023, and 4 percent in 2024, ABN Amro expects. This is because mortgage interest rates have risen sharply while disposable income is under pressure from inflation,” ABN Amro economist Philip Bokeloh said. The higher mortgage interest rates mean people can borrow less on …

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

The housing market in 2022 has been anything but boring
2 years ago

The housing market in 2022 has been anything but boring

Dutch News  

Rising interest rates, falling house prices, fewer deals, more properties – the Dutch housing market was far from dull in 2022, says financial advisor José de Boer. For a start, the government is increasing the transfer tax on buy-to-let properties from 8% to 10.4%, in an effort to dissuade people from buying up homes as an investment – so that …

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

Netherlands to offer higher mortgages for energy efficient homes from 2024
2 years, 2 months 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 …

Dutch housing prices could fall 3% next year, 2% in 2024, says Rabobank
2 years, 2 months ago

Dutch housing prices could fall 3% next year, 2% in 2024, says Rabobank

NL Times  

The increasing mortgage interest rates will cool down the Netherlands’ housing market fast, economists at Rabobank expect. “By the end of 2024, home prices are expected to be 7.4 percent lower than today, roughly at the level of the last quarter of 2021,” Rabobank said. If central banks increase the capital interest rates by another 1 percent, house prices will …

Dutch housing update: prices are down, interest is up
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 …

Dutch housing update: prices are down, interest is up
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 …

Dutch housing price increase continues to slow down; Prices up 14.5% since last July
2 years, 4 months ago

Dutch housing price increase continues to slow down; Prices up 14.5% since last July

NL Times  

The pace of the increase in Dutch housing prices is slowing down, according to figures from Statistics Netherlands. In July, the organization noticed that the price increase was considerably lower for the second month in a row, while again far fewer homes were sold. The national Land Registry recorded 16,417 residential transactions last month, almost 14 percent less than a …

Dutch home prices still climbing, but slowing down
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. …

The new government has plans to get the housing market moving
2 years, 8 months ago

The new government has plans to get the housing market moving

Dutch News  

Plenty of things have been happening on the housing market since the start of the year, when the Netherlands got a new government. Investors Local councils have already been taking action to try to loosen the grip of the private sector on the housing market – for example by stopping investors buying up cheaper homes and renting them out. The …

Dutch housing prices rising twice as fast as EU average
2 years, 8 months ago

Dutch housing prices rising twice as fast as EU average

NL Times  

Home prices in the Netherlands were 18.7 percent higher in the last quarter of 2021 than a year earlier. The price increase was almost double the European Union average of 10 percent and puts the Netherlands in the top five EU countries with the fastest increasing home prices, Statistics Netherlands reported. In the fourth quarter of 2021, newly-built homes were …

A home of your own? Key tips for first time buyers in 2022
2 years, 11 months ago

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

Dutch News  

Planning to buy a house in Amsterdam or anywhere else in the Netherlands for the first time in 2022? Taxes As in 2021, first time buyers under the age of 35 will not have to pay transfer tax if they are buying a house costing less than €400,000. Mortgages The new government has not yet said it has any plans …

A home of your own? Key tips for first time buyers in 2022
2 years, 11 months ago

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

Dutch News  

Planning to buy a house in Amsterdam or anywhere else in the Netherlands for the first time in 2022? Taxes As in 2021, first time buyers under the age of 35 will not have to pay transfer tax if they are buying a house costing less than €400,000. Mortgages The new government has not yet said it has any plans …

Dutch housing prices increased at fourth-fastest rate in EU
2 years, 11 months ago

Dutch housing prices increased at fourth-fastest rate in EU

NL Times  

The Netherlands is in the top five EU countries where home prices increased the most. In the Netherlands, they became almost 17 percent more expensive, according to European stats agency Eurostat. The supply of owner-occupied homes in the Netherlands is dwindling rapidly, the Dutch Association of Real Estate Agents reported earlier this week. Low interest rates probably also factor in …

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

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

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

Housing market milestone: Netherlands now has 8 million homes
3 years, 5 months ago

Housing market milestone: Netherlands now has 8 million homes

NL Times  

The Dutch housing market reached an important milestone in June - the 8 millionth home was added to the Netherlands' housing stock, Statistics Netherlands reported on Thursday. A total of 39 thousand homes were added to the Netherlands' housing stock in the first six months of 2021. In the war years, the housing stock decreased by 104 thousand homes on …

Netherlands sees biggest existing home price increase in two decades
3 years, 5 months ago

Netherlands sees biggest existing home price increase in two decades

NL Times  

In the first quarter of 2021, the average price for existing owner-occupied homes increased 10.3 percent compared to a ear earlier, the highest increase in nearly 20 years. The average price for a newly built owner-occupied home was 16.9 percent higher than in the first quarter last year - the biggest increase since 2015, Statistics Netherlands reported on Monday. In …

Dutch home prices up record 11.5 percent in a year
3 years, 7 months ago

Dutch home prices up record 11.5 percent in a year

NL Times  

The average price of a home in the Netherlands was 11.5% higher in April compared to a year earlier, research done by Statistic Netherlands showed. Home prices have been steadily increasing for nearly eight years now, owing in part to the ongoing housing shortage. CBS suggested such a dramatic difference was likely a result of the removal of property transfer …

NL home prices to increase 5% this year: ABN Amro
3 years, 11 months ago

NL home prices to increase 5% this year: ABN Amro

NL Times  

The Dutch housing market will continue to perform well in 2021, with the average price of a home increasing around 5 percent this year, ABN Amro's Economic Bureau said on Tuesday, NU.nl reports. The price increases of the past six months will have a spillover effect on home prices in the coming year, the economists expect. The bank expects that …

Record number of mortgage applications in Netherlands last year
4 years 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 …

Law Changes 2021: Housing and Living Environment
4 years 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 …

Dutch house prices have risen sharply again, no sign of corona dip
4 years ago

Dutch house prices have risen sharply again, no sign of corona dip

NL Times  

Dutch house prices continue to rise sharply, despite the corona crisis. Estate agency NVM has recently predicted that house prices will probably continue to rise significantly in the near future. Last week, they stated that next year house prices are likely to fall for the first time in five years. “First, the number of home sales will fall because people …

Housing prices still rising, fewer homes sold
4 years, 6 months ago

Housing prices still rising, fewer homes sold

NL Times  

The number of homes sold in the Netherlands in May decreased compared to a year ago. Compared to the housing market's low in June 2013, home prices were 47.8 percent higher last month. Last month the Land Registry registered 347 homes sold, 6.9 percent less than in May 2019. Though the total number of homes sold in the first five …

Housing shortage: 845,000 homes must be built by 2030
4 years, 6 months ago

Housing shortage: 845,000 homes must be built by 2030

NL Times  

In the coming decade, 845 thousand new homes must be created in the Netherlands to prevent the housing shortage from rising further, according to the report State of the housing market 2020 that Minister Kasja Ollongren of Home Affairs presented to parliament, NOS reports. In that year, the Netherlands is expected to have 18.8 million inhabitants - which means that …

Homeowners to see housing costs increase 5% this year
4 years, 9 months ago

Homeowners to see housing costs increase 5% this year

NL Times  

Homeowners in the Netherlands will see their housing costs increase by 5 percent this year, according to new figures from the University of Groningen's center for research into lower governments' economy COELO. The increase in housing costs for homeowners mainly has to do with increased property tax This tax is linked to the house price. On average, homeowners pay 295 …

Half of Netherlands tenants expect they'll never afford buying
4 years, 10 months ago

Half of Netherlands tenants expect they'll never afford buying

NL Times  

Nearly half of tenants in the Netherlands don't think they will ever be able to buy a home, according to an international study by ING among nearly 3 thousand tenants who have never owned a home. 48 percent of Dutch tenants think they'll never buy, compared to the European average of 38 percent, RTL Nieuws reports. The housing market seems …

Looking to buy a house the Netherlands in 2020? Here are some suggestions
5 years ago

Looking to buy a house the Netherlands in 2020? Here are some suggestions

Dutch News  

Mortgage interest rates are still at a record low, so if you have not yet taken the plunge and bought a home in the Netherlands, here are some suggestions of where to go, courtesy of Expat Mortgages. This neighbourly spirit, as well as charming old buildings, quiet canals and excellent transport links are all reasons why the university town of …

Owning a home increasingly out of reach for average NL resident
5 years, 1 month ago

Owning a home increasingly out of reach for average NL resident

NL Times  

Single earners with a median income have less and less chance of buying a home in the Netherlands. Single income households with a median income of 32,700 this year can afford a home that costs 150 thousand euros maximum, according to De Hypotheker. Only 4.3 percent of homes currently for sale in the Netherlands have an asking price of 150 …

Dutch home prices still on the rise, though slowing down
5 years, 3 months ago

Dutch home prices still on the rise, though slowing down

NL Times  

Existing homes in the Netherlands were 5.7 percent more expensive in August than in the same month last year, Statistics Netherlands reported on Friday. Last month a total of 19,583 homes were sold, 6.3 percent less than in August last year. Along with the increasing house prices, the National Mortgage Guarantee - which ensures that your residual debt will be …

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