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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....

Global Tariffs and Their Influence on Dutch Mortgage Interest Rates In the past year, Dutch mortgage interest rates have experienced a downward trend, particularly for shorter fixed-term mortgages. This decline is largely attributed to the European Central Bank's (ECB) series of rate cuts aimed at stimulating economic growth amid global dropping and inflationary pressures.​ Request....

A Dutch Mortgage in 2025: What’s Changing for Home Buyers This Year? Each January brings new regulations that can affect prospective homebuyers, and 2025 is no exception. While the updates this year aren’t as extensive as last year’s, they still hold significant implications for buyers navigating the Dutch housing market. Here’s a closer look at....

Dutch mortgage interest rate expectations for 2025 Mortgage interest rates have remained relatively stable between 4% and 5% from early 2023 through mid-2024. As we enter the final quarter of 2024 and rates begin to decline, it's a good time to assess what the coming months and 2025 might bring. While predicting future rates can....