Buying your next home in the Netherlands
Ready for your next step? Discover how much you can borrow by combining your income with your current home's equity.
Plan appointmentMoving up in the housing market
Moving to a new home is exciting, but it brings a whole new set of financial questions. Should you buy first or sell first? How do you use the equity from your current house, and what happens to your existing mortgage? We help you navigate these complex rules so you can make your move with complete confidence.
Why plan your move with Hanno?
- Calculate your exact home equity
- Take your current low interest rate with you
- Smart solutions for bridging loans
- Compare 43+ independent lenders
Don't get caught between two houses
Moving to your next home in the Netherlands is an exciting step, but navigating the financial puzzle of two properties can quickly become overwhelming. Before you start bidding, you need a rock-solid strategy to avoid stressful double monthly payments or losing valuable tax benefits. This means knowing exactly how to temporarily unlock your current home's equity with a bridging loan (overbruggingskrediet), while carefully following strict Dutch tax rules (Bijleenregeling) that require you to reinvest those profits to keep your mortgage interest deductions. On top of that, you might have the opportunity to take your current, low interest rate with you to your new house (verhuisregeling). Figuring out whether it is cheaper to transfer your existing rate or switch to a completely new lender is complex, which is why mapping out your exact financial boundaries with an expert beforehand is the only way to make a winning bid with complete confidence.
Hypotheek verhogen voor verbouwing in 5 stappen
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1. Calculate your equity & budget
Not sure what your new budget is? A free orientation meeting gives you instant clarity on your borrowing capacity, including your current home equity.
Bel 030 - 208 2010
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2. Bid with the Mortgage Promise (HypotheekBelofte)
Make an offer with confidence. Our certificate proves you have the financial backing to buy, increasing your chances of an accepted bid, often at a better price.
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3. Your personal financial and mortgage plan
We don't just look at mortgages; we look at the bigger picture. We map out your entire financial situation first.
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4. Selecting the right lender
Based on your customized mortgage plan, we compare over 43 independent providers.
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5. Mortgage finalized and always maintained
We handle the paperwork from A to Z.
Calculate your lending capacity
calculate100% Independent. 100% Focused on your next step.
Unlike your current bank, we don't just look at one option. We check if it's cheaper to take your current mortgage rate with you (verhuisregeling) or to switch to a completely new lender. We compare over 43 providers to find the most flexible bridging loans and the best terms for your specific move.
Frequently asked questions
Many homeowners want to keep their first property as an investment. However, standard Dutch residential mortgages strictly prohibit renting out the property. To do this, you must convert your current mortgage into a specific Buy-to-Let mortgage (Verhuurhypotheek), which comes with different interest rates and borrowing limits. We can calculate if you have enough equity to make this transition.
Yes, if you plan to use a bridging loan (overbruggingskrediet). The bank will not just take your word or a real estate agent's estimate for the value of your current home. You will need a formal, validated appraisal report (taxatierapport) to prove the expected equity before the bank approves the loan for your new house.
If you sell your current house and make a profit, Dutch tax authorities require you to reinvest that money into your next home to keep your mortgage interest tax deduction. If you decide to rent for a while between buying houses, this rule remains active for three years. After three years, the equity is "freed up," and the rule expires.
Buying a house that hasn't been built yet means you will face a period of double housing costs. Your mortgage for the new house goes into a construction account (bouwdepot) to pay the builders in installments, while you still pay the mortgage or rent for your current home. We can help you co-finance these double costs into your new mortgage so you don't run out of cash during construction.
If you had NHG on your first home, it does not automatically transfer to your next one. You can apply for NHG on your new mortgage, but only if the purchase price of your new home falls below the current NHG limit (which is updated annually). If your new home is more expensive than the limit, you will transition to a non-NHG mortgage.