31 January 2022Mortgage insights for expats 2022

Do you dream about a new ‘home’? A wonderfully spacious kitchen to do some great cooking? Or do you feel it’s about time to upgrade the attic to an inspiring home office where you really enjoy working?

Now is the moment to gain clarity and get focus! And we are happy to help you with that. Also, we want to give you the lowdown on what’s happening in the world of mortgages. So please continue reading for some interesting developments for the coming year that may help you make your dreams come true.


the Dutch government is concerned with improving the position of buyers. Mainly those of starters. They have taken 3 measures for this. We listed them for you.

1. Starters under the age of 35 still do not have to pay transfer tax.

An advantage for young starters. This can save several thousand euros! The 2% transfer tax expires on a purchase price of a house up to € 400,000.

2. NHG cost limit rises to €355,000.

This means that you have a National Mortgage Guarantee for a home with an appraised value of up to €355,000. This means you can claim the favorable mortgage conditions up to a higher amount than in 2021!

3. Possible extension of the statutory cooling-off period

This means that you may have a longer cooling-off period to withdraw from a sale, even for no specific reason. At the moment this period is still three days after the signing of the purchase contract, but it may become ten days. It is still uncertain unfortunately, but we would like to keep you informed of this development.


The government also offers opportunities and subsidies to help make homes more sustainable. And guess what… getting favorable loans is exactly our job!

Important to know:

  1. The vast majority of lenders offer an interest discount if a home has a favorable energy label (label A+++ – to B).
  2. Some lenders offer a credit facility purely aimed at energy-efficient-related investments. It is usually a loan of a maximum of 15 years at very favorable rates.

In short, if you live in a 1930’s house and are considering (with the higher energy prices in mind) to improve your home sustainably, then this is a good year to delve into this.

For subsidies, we would like to refer you to: https://www.verbeterjehuis.nl.


Our goal is and always will be: to help you find your way in the world of Dutch mortgages. So when you have questions about your financial possibilities or maybe just want to discuss how to make your dreams come true? We are here to help you gain clarity and get focus.

Feel welcome at Klår!

Do you have any questions?
We are happy to help and there is no question you can’t ask.
Peter Geurts
Financial Advisor