Mortgage in Holland

Thinking of buying a home in the Netherlands? Here’s what you need to know about Dutch mortgage rules in 2025.

Navigating the Dutch housing market can be daunting, especially if you’re unfamiliar with the local mortgage system. Whether you’re a first-time buyer or an expat settling in, understanding the latest mortgage regulations is essential. Here’s a clear breakdown of how mortgages work in Holland and what’s changed in 2025 and 2026. Call  Lexwonen 7 days a week ☎️06-83944458 for mortgage and buy a house in the Netherlands.

🏡 Understanding Dutch Mortgages

In the Netherlands, most homebuyers rely on a mortgage (hypotheek) to finance their property. Dutch mortgages typically come with fixed or variable interest rates and are regulated to ensure responsible lending. The two most common types are:

• Annuity mortgage: Monthly payments remain stable, but the interest portion decreases over time.
• Linear mortgage: Monthly payments decrease over time, as the principal is repaid faster.

📜 Key Mortgage Rules in 2025

Here are the most important updates and regulations you should be aware of:

1. National Mortgage Guarantee (NHG)

• The NHG provides financial protection if you can’t pay your mortgage due to unforeseen circumstances.
• In 2025, the NHG limit increased to €450,000, or €477,000 for energy-efficient homes.
• The one-time NHG fee dropped from 0.6% to 0.4%, making it more affordable for buyers.

2. Borrowing Capacity

• Your borrowing power depends on your income and the value of the property.
• Due to rising energy and living costs, affordability calculations have tightened, reducing borrowing capacity by 1% to 5% for most buyers.
• Households with rising incomes may still qualify for slightly higher loans.

3. Energy Efficiency Incentives

• Homes with sustainability upgrades (like solar panels or insulation) qualify for higher NHG limits.
• This encourages buyers to invest in greener properties and reduces long-term energy costs.

4. Interest Rates and Providers

• Mortgage interest rates vary by provider and loan type. Fixed rates offer stability, while variable rates may be lower but riskier.
• Dutch banks and independent mortgage advisors offer tailored options for residents and expats.

👥 Can Expats Get a Mortgage?

Yes! Expats can apply for a mortgage in the Netherlands, but they must meet certain conditions:

• Have a valid residence permit or EU citizenship.
• Show proof of stable income and employment.
• Some lenders may require a higher down payment or additional documentation.

📝 Final Tips

• Get pre-approved to understand your budget before house hunting.
• Consult a mortgage advisor to compare offers and understand your options.
• Factor in additional costs like notary fees, taxes, and insurance.

Buying a home in the Netherlands is a big step, but with the right knowledge and preparation, it can be a rewarding investment. Want help calculating your borrowing power or finding the best mortgage provider? Call Lexwonen 7 days a week.