The IEF Blog

Many expats in the Netherlands are asking the same question in 2026: "Should I buy a property now, or wait for the market to cool down?" It’s understandable. Mortgage interest

Many expats are surprised when one Dutch bank says “yes” to a mortgage application while another lender offers a lower borrowing capacity — or even declines the application completely. The

Interest-only mortgages have long been a popular option for Dutch homeowners, including expats, because of lower monthly payments and flexible financing. However, 2026 brings stricter rules. Leading lenders like Rabobank

In the past weeks, mortgage interest rates in the Netherlands have increased sharply. Average rates for a 10-year fixed mortgage rose from 3.6% to 4.1%, one of the fastest jumps

For expats buying a home in the Netherlands, understanding the Dutch mortgage tax system is key to maximizing savings. One of the most important aspects is the mortgage interest deduction,

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

Secure mortgage approval within the 3-day cooling-off period In a competitive Dutch housing market, speed and certainty can make the difference between winning or losing a property. Our Priority Service

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

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

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

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.​ Key

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