The housing market is set to see several changes in 2025 that will impact buyers, sellers, owners, and renters alike. Staying informed about these developments is key to navigating the market effectively. Here's a breakdown of the most important updates.
1. NHG limit increases
Starting January 1, 2025, the limit for the National Mortgage Guarantee (NHG) will rise to €450,000. This adjustment will allow more homes to qualify for the guarantee, which provides financial protection in case of difficulties and can result in lower mortgage interest rates.
2. Higher exemption for transfer tax for starters
First-time buyers on the housing market will benefit from an increased property value threshold for the transfer tax exemption. In 2025, this threshold will be raised to €525,000. Buyers aged 18 to 35 who purchase their first home under this value will be exempt from paying transfer tax.
3. Outlook for investment properties
While the transfer tax rate for investors remains at 10.4% in 2025, there are indications that this rate will drop to 8% starting in 2026. This could be appealing for investors considering property acquisitions. However, rising costs, such as financing, may impact profitability and should be carefully considered.
4. Stricter rental regulations
In 2025, municipalities will have greater authority to take action against excessive rental prices. This is part of a broader government effort to regulate the rental market, especially in the mid-range segment. For renters, this may mean better protection, while landlords will need to pay close attention to updated regulations.
5. Increased borrowing capacity for starters and singles
Expected wage increases in 2025 offer potential advantages for homebuyers. A higher income may allow you to borrow several thousand euros more when purchasing a home. This provides additional financial flexibility, particularly for first-time buyers and single individuals.
What do these changes mean for you?
Whether you are a buyer, seller, landlord, or tenant, the changes in 2025 present both opportunities and challenges. For example, higher purchase limits will benefit first-time buyers, but landlords may face stricter oversight. Staying informed and seeking professional advice where needed can help you make the most of your situation.