New Mortgages in the Netherlands Jump 22% in H1 2025
Dutch homebuyers took out 207,000 mortgages in the first half of 2025, a 22% increase year-on-year, driving the total loan volume to €78.5 billion.
Guide last updated on: September 11, 20254 min read
Table of Contents
Table of Contents
Further Reading on Renting in the Netherlands
Newest Properties in the Netherlands
Explore the latest properties added to Luntero. Find new apartments, houses, and studios across the Netherlands — updated daily to help you discover your next home faster.
Why Luntero
One Workspace for Your Dutch Rental Search
Luntero brings represented apartments, rooms, studios and houses from Dutch rental sources into one searchable place. Use the available filters to narrow your options, then check the original listing for current availability, price, conditions and application steps.
Listings From Many Dutch Sources
Browse rental listings collected from Funda, Pararius, Kamernet and other supported sources in one place. Coverage is broad but not exhaustive, and the original listing remains authoritative.
Intuitive User-Friendly Interface
Navigate our clean and straightforward design effortlessly on both desktop and mobile devices for a seamless apartment, house, or room hunting experience in the Netherlands.
Multilingual Support for Expats & Locals
Browse rental listings in English, Dutch, Spanish, French, German, and more. Luntero ensures you can find your next home in the Netherlands in the language you're most comfortable with.
Regular Listing Refreshes
Luntero refreshes collected listings regularly and search alerts email new matches after a successful check. A source can change between refreshes, so verify decisive details there.
Understand Dutch rental terms before you sign the lease.
Renting in the Netherlands comes with unique rules, legal phrases, and housing abbreviations that can be tricky. The Luntero Rental Glossary is your guide to every rental term — from tenancy agreements, deposits, and agency fees to utility charges, rent control, and tenant rights. Whether you’re new to renting, moving as an expat, or just want to avoid hidden costs, our glossary helps you rent smarter, negotiate better, and protect yourself from mistakes.
New Mortgages in the Netherlands Jump 22% in H1 2025
The Dutch housing market saw a remarkable uptick in borrowing during the first half of 2025. According to the Land Registry (Kadaster), homebuyers in the Netherlands took out 207,000 new mortgages—22% more than in H1 2024—resulting in a total mortgage volume of €78.5 billion, a 32% rise year-on-year. This surge reflects both sustained demand and ongoing price pressures in a market still grappling with limited supply.
Mortgage Trends in the First Half of 2025
Data from Kadaster reveal several key points for H1 2025:
Number of mortgages: 207,000 new loans, up 22%.
Total loan volume: €78.5 billion, up 32%.
Average mortgage size: €491,000, up 9%.
These figures underscore a robust borrowing environment, even as interest rates remain higher than the record lows seen in recent years. Buyers appear confident in securing financing despite tighter credit conditions.
Rising Mortgage Amounts and Home Prices
The total mortgage volume increased by a larger margin than the number of loans, indicating that average borrowing amounts have grown significantly. Several factors contribute to this trend:
Higher home prices: Existing-owner home prices rose 9% in July 2025 compared with July 2024, according to Statistics Netherlands (CBS). While the pace of price growth has started to level off, it remains strong.
Larger loan-to-value ratios: Buyers are stretching their budgets, relying on higher loan-to-value (LTV) ratios to cover elevated prices.
Investor activity: Some mortgage uptake is driven by investors and buy-to-let purchases, especially in urban centers where rental yields remain attractive.
Generational Differences in Borrowing
A notable pattern is that older buyers tend to borrow less relative to purchase price than younger buyers. Kadaster data highlight that:
Younger first-time buyers often finance nearly 100% of the property value, constrained by limited equity.
Older and second-time buyers leverage equity from previous homes or downsize, reducing their borrowing needs.
This generational split is most pronounced in higher-price brackets (above €500,000), where seasoned homeowners can draw on savings or profits from previous sales to top up their deposits.
Supply Constraints and Price Pressures
Despite an influx of new listings, supply remains tight in key regions. The Dutch Association of Realtors (NVM) reported that Q2 2025 saw the highest number of homes for sale in almost 20 years. This spike is largely driven by:
Rental sell-offs: Landlords are converting rental units to owner-occupied homes as changes in legislation and taxation make long-term renting less attractive.
Aging housing stock: Many properties are being listed as older owners downsize or move abroad.
Yet, demand from young professionals, expats, and growing families continues to outpace these supply gains, especially in popular cities like Amsterdam, Utrecht, and The Hague.
Implications for Renters and Prospective Buyers
For renters, the increased stock of owner-occupied homes offers potential relief in the long term. However, competition for affordable rental units remains fierce. Prospective buyers should consider:
Securing a mortgage pre-approval: Lock in financing terms early to strengthen offers.
Exploring lower-priced regions: Suburban and peripheral areas often carry a discount compared to city centers.
Budgeting for extra costs: Transaction costs, taxes, and potential renovation expenses add to the total outlay.
Navigating the Current Mortgage Landscape
With the mortgage market busier than ever, expert guidance can make the difference. Consider the following steps:
Engage a mortgage adviser: They can compare offers across multiple lenders and negotiate better rates.
Choose the right rate type: Fixed-rate mortgages offer certainty, while variable rates may be attractive if you anticipate rate cuts.
Monitor policy changes: Keep an eye on government regulation regarding mortgage interest relief and housing taxes.
Conclusion
The 22% rise in new mortgages during the first half of 2025 highlights a resilient Dutch housing market where buyers persevere amid high prices and evolving regulations. While increased listings from rental conversions offer some easing of supply constraints, demand remains robust across the country.
Looking for your next rental in the Netherlands? Visit Luntero—your go-to platform for finding the best rental listings nationwide!
Understand Dutch rental terms before you sign the lease.
Renting in the Netherlands comes with unique rules, legal phrases, and housing abbreviations that can be tricky. The Luntero Rental Glossary is your guide to every rental term — from tenancy agreements, deposits, and agency fees to utility charges, rent control, and tenant rights. Whether you’re new to renting, moving as an expat, or just want to avoid hidden costs, our glossary helps you rent smarter, negotiate better, and protect yourself from mistakes.
