New Mortgage Rules for 2025: Easier Home Buying for Singles, Freelancers, and Students

Starting January 1, 2025, several updates have been introduced for homebuyers in the Netherlands. While the changes aren’t as dramatic as those in 2024, there’s still good news for certain groups. Let’s break down what’s new and how these rules could help you get closer to owning your dream home.

Singles Can Borrow Slightly More

If you're buying a home solo, there’s a bit of extra room in your borrowing capacity. Since 2024, single homebuyers have been allowed to borrow an additional fixed amount above the standard maximum mortgage. In 2025, this amount increases from €16,000 to €17,000.

Mortgage Interest Deduction Changes

Homebuyers with middle or higher incomes can expect a small boost in their mortgage interest deductions in 2025. However, for lower-income households, the deduction will decrease slightly. Why? According to economist Matthijs Korevaar of Erasmus University, “The spending power of lower-income groups has risen, meaning they can handle slightly higher mortgage payments. This adjustment reflects the overall improvement in their financial position.”

Freelancers and Flexible Workers Benefit

Good news for freelancers, self-employed individuals, and those with fluctuating incomes: it’s now easier to qualify for a mortgage. Starting this year, freelancers can obtain a "perspective statement" after just 26 weeks of work which is a significant improvement from the previous 52-week requirement. This change is a game-changer for independent workers who often face obstacles when trying to secure a home loan.

Student Loan Debt Won’t Weigh Heavier

There’s a relief for current and former students. Despite earlier plans to increase the impact of student loans on mortgage eligibility, the government decided not to implement this change. Critics argued that the measure would disproportionately harm those with student debt by reducing their borrowing capacity. For now, student loans will continue to be factored in the same way they were in 2024.

House Prices Continue to Climb

According to the Dutch Central Bank (DNB), house prices will keep rising in 2025, with the average home price surpassing €500,000. While this might sound daunting, mortgage advisor De Jong encourages buyers to stay optimistic: “Yes, the average price is high, but that also means there are homes below that price—think €200,000 or €300,000. And there are resources, like starter loans or financial help from parents, that can make homeownership more achievable than you might think.”

Is 2025 the Right Time to Buy?

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Economist Korevaar advises buyers to focus on their personal circumstances rather than market trends: “Everyone wants to buy when prices are low, but houses only become ‘cheap’ when very few people can afford them. Timing the market perfectly is nearly impossible.” Instead, he suggests buying when it aligns with your lifestyle, financial situation, and long-term goals.

Final Thoughts

While the housing market remains competitive, 2025 brings a few key advantages for singles, freelancers, and those with student loans. These updates, combined with existing resources like starter loans and flexible financing options, make it worth exploring your possibilities sooner rather than later. Don’t wait too long—opportunities may shrink as house prices continue to rise. Talk to a mortgage advisor to see what’s possible for you today!
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Get in touch with Financial Consultancy Holland

With these financial shifts, navigating through your financial planning and investment decisions can seem daunting. Financial Consultancy Holland stands ready to assist with personalized advice and tailored solutions that cater to these changes. Don't navigate these changes alone. Let us assist you in optimizing your financial strategy to make the most of the 2025 financial adjustments.

Do you have questions about your financial situation in the Netherlands or would you like to get in touch with us? You can do this via our contact form and we will contact you as soon as possible. Looking forward!