Do you plan to buy a house or refinance your mortgage in 2025? The new year brings with it various changes that can affect your options. Here we discuss the most important adjustments and how they can improve your mortgage.
Here are the 8 most important changes of 2025:
NHG stands for National Mortgage Guarantee and offers a financial safety net when taking out a mortgage. It reduces risks for both home buyers and lenders. Here are the changes:
• Higher NHG limit: The maximum purchase price for a home with NHG rises to €450,000. If you invest in energy-saving measures, you can even borrow up to €477,000.
• Lower closing costs: The one-off premium for NHG falls from 0.6% to 0.4%, saving €900 with a €450,000 mortgage.
For higher incomes, the mortgage interest deduction will be increased. The maximum deduction rate will increase from 36.97% in 2024 to 37.48% in 2025, which is beneficial for higher income households.
• Wage increase: Thanks to an expected wage increase of an average of 4.3%, your borrowing capacity may increase.
• Extra borrowing space for singles: Singles with an income of €28,000 receive an additional €17,000 loan space on top of the regular maximum mortgage.
Starters between the ages of 18 and 35 do not pay transfer tax when purchasing a home up to €525,000 (an increase of the €510,000 limit in 2024). A rate of 2% applies to homes above this limit.
From 2025, mortgage lenders must include the full monthly costs of student debt when calculating the maximum mortgage, regardless of repayment periods or lower payments.
Flex workers will have more options to take out a mortgage with NHG. The minimum working period at the same employment agency will be reduced from 52 to 26 weeks. In addition, you must have worked for at least 12 months in the past 14 months.
Investing in energy-saving measures, such as insulation or solar panels, can result in a higher maximum mortgage and lower monthly payments. This is in line with the trend to make homes more sustainable.
In 2025, you can still make use of the gift exemption for owning your own home. Parents can make a one-off tax-free donation of up to €30,000 to their child for the purchase or renovation of a home. Please note: this regulation may be amended after 2025.
The changes are intended to make the housing market more accessible and to better adapt the taking out of a mortgage to current economic conditions. Whether you are a starter, a transfer worker or a flex worker, these changes offer more options and security.
With the changes in 2025, you may be able to borrow more and save on costs. Do you want to know what this means for your situation? Do a free mortgage check and find out your maximum mortgage.