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Find your way home in the Netherlands with 20,000+ rental listings at your fingertips!
© 2025 Luntero. All rights reserved.
Luntero
A 15-Year Phase-Out: How Scrapping Mortgage Interest Deduction Can Be Managed Smoothly
Experts recommend a 15-year phase-out of the mortgage interest deduction in the Netherlands to cushion the impact on homeowners and the housing market.
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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.
The debate over the mortgage interest deduction (MID) in the Netherlands has intensified as political parties and financial experts weigh its long-term effects on housing affordability and market stability. Abolishing or scaling back this tax benefit may seem daunting to homeowners, especially first-time buyers, but experts argue that a gradual, 15-year phase-out can soften the blow—and even benefit the broader market in the long run.
The mortgage interest deduction allows Dutch homeowners to deduct the interest paid on their mortgage from their taxable income. Introduced in the 1980s to boost homeownership, MID has since become one of the largest tax expenditures in the Dutch budget. While the scheme supports homeowners, critics say it disproportionately benefits higher earners, fuels house price inflation, and crowds out other housing solutions such as rental properties.
Several parties, including GroenLinks–PvdA and the CDA, have included plans to reduce or eliminate the MID in their election manifestos. Their rationale is three-fold:
Nonetheless, a sudden removal could shock household budgets, undermine consumer confidence, and destabilise the housing market.
Mortgage expert Thomas de Leeuw of Frits Hypotheken and financial services provider Van Bruggen advocate for a gradual reduction of the deduction over 15 years. Their analysis uses an average annuity mortgage of €363,000—typical for first-time buyers in 2025—to model payment changes.
• Under current rules, the net monthly payment starts at €1,255 in year one and rises to €1,338 by year ten.
• With the deduction phased out linearly, the year-ten payment would be €1,560—an extra €222 over ten years, or roughly €20 per month.
De Leeuw points out that average incomes in the Netherlands grow by about 3% annually thanks to inflation and wage increases. This growth naturally offsets much of the incremental mortgage costs. Spreading the adjustment over 180 months gives households time to adapt and budget accordingly.
One key risk arises if MID disappears in tandem with falling house prices. A market slowdown—already evident in pockets like Amsterdam—could leave some buyers “underwater” by as much as €50,000. A drawn-out phase-out reduces the chance that both events coincide, thus averting severe financial distress for recent homeowners.
Moreover, a transparent, long-term plan instills confidence in banks, investors, and buyers. Certainty about tax changes can prevent sudden shifts in lending criteria or interest rate shocks.
Longer term, phasing out mortgage interest deduction could yield several advantages:
These measures support not only aspiring homeowners but also renters and low-income families seeking stable housing.
If you’re saving for a home or already have a mortgage, consider the following steps:
Phasing out the mortgage interest deduction is arguably inevitable in the Netherlands’ pursuit of a fairer and more stable housing market. By adopting a 15-year transition, policymakers can minimise financial shocks, reduce systemic risks, and redirect public funds toward affordable housing initiatives. Homebuyers, especially first-timers, will have time to adjust their budgets and make informed financing decisions.
Ready to find your next home—rental or purchase—while keeping policy shifts in mind? Check out Luntero for the easiest way to browse and apply for rental listings across the Netherlands.
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.
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