Mortgages in the Netherlands, what to expect in 2025? – 20 November
If you’re an expat living in the Netherlands and planning to buy a home, you’re probably aware of the complexities of securing a mortgage here. The Dutch housing market has always been dynamic, and changes are on the horizon for 2025. The webinar of A&H Finance on November 20th will guide you through some of the upcoming developments in mortgage regulations and offer insights into what you should be prepared for. Register HERE.
Key Changes in 2025
While mortgage conditions in the Netherlands have been changing every year there are some new developments in 2025 as well that will directly impact homebuyers:
1. NHG (National Mortgage Guarantee) Limit
In 2025, the NHG limit will be adjusted to reflect the changes in housing prices. The NHG is a scheme that offers protection for both the lender and the borrower in case of financial difficulties, like an involuntary sale due to unforeseen circumstances. For expats, this is a valuable option as it reduces the financial risk associated with buying a home in the Netherlands. During the webinar, we will discuss the new NHG limit for 2025 and how it impacts your mortgage options, as well as its benefits for expatriates seeking financial security.
2. Transfer Tax Exemption
The Dutch government offers a transfer tax exemption for first-time homebuyers under specific conditions, which can significantly reduce the overall cost of purchasing a property. For expats who qualify, this exemption could be a key factor in making homeownership more affordable. In this webinar, we’ll explain the conditions you must meet to benefit from this exemption, especially focusing on any updates in 2025, and how you can apply as an expatriate.
3. Interest Rates Developments
Interest rates are a crucial factor when deciding on a mortgage. In recent years, interest rates have fluctuated significantly due to economic and policy changes. This webinar will provide an overview of the expected interest rate trends in 2025 and how these changes might affect your mortgage terms. We will also touch on the different types of mortgage rates (fixed vs. variable) and which may be more suitable for expats in the current financial climate.
4. Loan Capacity Based on Income
Your income plays a critical role in determining how much you can borrow for a mortgage in the Netherlands. In this webinar, we’ll go over the 2025 updates to the mortgage lending criteria based on income, including any changes in the income multipliers that banks and financial institutions use to calculate your borrowing capacity. We will discuss how these rules apply to expats, especially those with foreign income, and what documentation is needed to secure a mortgage.
Join our webinar for expert advice
It is always good to be fully prepared before doing viewings and placing an offer on a house. At the end of the year, this is even more important. This is because there are a number of changes that can make a specific offer more financially attractive to the buyer, but there can also be financial drawbacks. In the November 20 webinar, A&H Finance will walk you through the upcoming changes for 2025.
Webinar: Mortgages in the Netherlands, what to expect in 2025?
Date & Time: 20 November 2024, 6 pm (CET)
Don’t miss this opportunity to get ahead of competition in the market and be very well prepared on what to expect in 2025. By understanding these changes and preparing ahead of time, expats can navigate the evolving mortgage landscape in the Netherlands with confidence. We look forward to helping you on your journey to homeownership in 2025!
