Join other house-hunters online for the Tax & Housing webinar: New mortgage rules in 2024. During the free webinar, hosted by A&H Finance, you'll delve into new Dutch mortgage rules coming in 2024 and the key areas that are likely to affect you. Sign up for free! 

Learn all about the new Dutch mortgage rules 2024

Mortgage rules change every year, including in 2024. You don’t have to miss anything, because A&H Finance has listed the most important changes in mortgage rules on their website. A&H Finance guides you through a few examples and invites you to their webinar on this topic on Tuesday, February 13 at 6pm. Join the webinar New mortgage rules 2024.

Webinar programme

Here is an outline of the webinar programme on February 13, 2024:

• 6pm - Welcome
• 6.10pm - Presentation: New mortgage rules in 2024
• 6.45pm - Q&A
• 7.00pm - Estimated end time

What you'll learn at the webinar

Here's an overview of what the new rules are and what to expect at the webinar:

1. Energy label and maximum mortgage amounts

The energy label has a direct influence on your maximum mortgage amount. The higher the energy label (for example A or B), the more money you can lend. The idea is that people with an energy-efficient home have lower energy costs. This gives them more financial resources to finance a more expensive house.

Imagine your (joint) income is 90.000 euros a year. This will give you a set of options depending on the energy label of your future home. If you have your eye on a brand new home that is top level energy friendly (label A++++) then your maximum mortgage will be about 480.000 euros.

With an income of 90.000 euros a year and an energy label of A or B your maximum mortgage will roughly be 440.000 euros. In addition to this maximum mortgage amount an extra 10.000 euros is possible if you spend it on energy saving measures. So in total your mortgage can add up to 450.000 euros.

With a future house with energy label E or F in mind, your maximum mortgage will be around 430.000 euros. On the downside that’s roughly 10.000 euros less than a house with label A or B. But on the upside: energy labels E, F and G enable an addition of 20.000 euros. Again you need to spend the addition on energy saving measures. And so your total mortgage adds up to 450.000 euros as well.

See your mortgage options based on your income and energy labels at A&H Finance

2. NHG limit to 435.000 euros

The limit for National Mortgage Guarantee (NHG) will rise to 435.000 euros in 2024. Compared to 2023, this is an increase of 30.000 euros (405.000 euros to 435.000 euros). The increase in the NHG limit is positive for buyers who have to make expensive purchases. In practice, these are often starters who borrow the maximum amount. They receive more financial protection and can therefore borrow slightly more in relation to purchases above 435.000 euros.

3. Higher mortgage for single people

In 2024, singles can borrow more to buy a house.

4. Transfer tax exemption increased

For buyers under 35 years of age, the one-off exemption from transfer tax increases from 440.000 euros to 510.000 euros.

Join the webinar!

Want more information on what all these changes could mean for you specifically? A&H Finance expert Paul Overeem will happily tell you all about it in this upcoming free webinar. Join the A&H Finance webinar on Tuesday, February 13 at 6pm.