Starting in 2025, several new measures will make it easier to obtain a higher mortgage in the Netherlands — especially for first-time buyers and expats under the age of 35. The Dutch government aims to stimulate homeownership and promote energy-efficient living through expanded borrowing limits and tax incentives.
One of the most significant advantages remains the exemption from transfer tax for buyers under 35 who are purchasing their first home. This can save thousands of euros in upfront costs and make entering the housing market far more accessible. Many expats fall within this age group, making this measure particularly relevant for those relocating to the Netherlands.
In addition, single buyers will see an important change in 2025. They will be able to borrow up to €17,000 more than in previous years, recognizing that living alone comes with higher individual expenses. This new rule gives singles a fairer opportunity to compete in the housing market, where prices have continued to rise.
Another major development is the focus on sustainability. Buyers of energy-efficient homes or those planning to make their property more sustainable can benefit from an additional borrowing capacity of up to €50,000. This makes investing in solar panels, insulation, or a heat pump more financially achievable.
Furthermore, many banks now offer interest rate discounts for homes with at least an energy label A, further reducing monthly mortgage costs.
Overall, these expansions and incentives create a more favorable environment for young professionals, expats, and single buyers looking to purchase a home in the Netherlands. By rewarding sustainability and offering financial relief, the government encourages responsible homeownership — a welcome change in a challenging housing market.
If you’re considering buying a home in 2025, now is the perfect time to explore your options and take advantage of these new benefits.
