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Use Your Savings or a Higher Mortgage in the Netherlands? A Smart Guide for Expats (2026) When buying a property in the Netherlands, many expats ask the same question: Should I use my savings for the purchase, or finance more through my mortgage? The answer depends on mortgage interest rates, mortgage interest tax deduction (“hypotheekrenteaftrek”),....

A Dutch Mortgage in 2026: What Home Buyers Need to Know Each year brings updates to Dutch mortgage regulations, and 2026 is no exception. From shifts in borrowing capacity to changes in government-backed schemes like NHG, staying informed is essential for prospective homebuyers. Here’s a breakdown of the key changes shaping the Dutch mortgage landscape....

Mortgage Interest Rates and the Dutch Housing Market in 2026 As we move through 2026, Dutch mortgage interest rates have stabilized after the declines seen in 2024 and 2025. Instead of large drops year-on-year, experts expect relatively flat rates with only modest changes. Book your free mortgage intake Current Rate Environment (Early 2026)   Short‑term....

NHG Threshold to Rise to €470,000 in 2026 - What That Means for Homebuyers in the Netherlands Next year brings a significant change to the Dutch housing finance landscape: the maximum NHG (Nationale Mortgage Guarantee) threshold will increase from its current level of €450,000 to €470,000. For buyers who combine a home purchase with energy-saving....

Maximize Your Tax Refund: Essential Deductions for Dutch Homeowners As the Dutch tax season is underway, homeowners have valuable opportunities to reduce their taxable income through specific deductions. Understanding and applying these can lead to significant tax refunds.​ Request your free mortgage intake Key Tax Deductions for Homeowners   1. Mortgage Interest Deduction: Homeowners in....

ING Introduces New Mortgage Interest Rate Structure Based on Energy Label Starting April 30th 2025, ING implemented a new, more granular approach to mortgage pricing—offering different interest rates based on a property’s energy label. This change marks a significant shift from their previous model, which only rewarded homeowners with a discount for improving their property....