Do you want to buy a house or take out a second mortgage for a renovation in 2026? Once again, rules are changing this year that affect what you can borrow and how much you pay monthly. So it's a good time to consider your situation and seek independent mortgage advice. In this article, we list a number of important changes for you, so you know exactly what to take into account.
The limit for buying a home with a National Mortgage Guarantee (NHG) will increase from €450,000 to €470,000 in 2026. This means that you can make use of this guarantee for a larger part of the homes for sale. What is new is that this amount now applies to all types of homes, including caravans and locations. Are you investing in sustainability, for example with solar panels or insulation? Then you can even borrow €498,200 with NHG. This is how the government promotes sustainable living.
The National Mortgage Guarantee reduces the risks of buying a home. NHG acts as a safety net in case of unexpected events, such as unemployment, disability or death. In that case, NHG takes over the residual debt. When taking out a mortgage with NHG, you pay a small commission once, but on the other hand, you benefit from a lower interest rate. So extra security, for you and the lender.
Due to the expected wage increase of an average of 4% and a declining inflation of around 2.3%, Nibud expects that most households will have slightly more to spend in 2026. What does that mean for taking out a mortgage? The government sets borrowing standards to prevent buyers from taking irresponsible risks. Based on these standards, the lender determines your maximum mortgage. It depends on your income, financial obligations and the home you have in mind. Thanks to the increase in salary, your borrowing capacity may increase slightly. In addition, there is a proposal by Nibud to calculate with a longer term and a wider housing rate. This offers additional opportunities for home buyers.
There are various conditions for a mortgage that you, as a buyer, must take into account:
• Student debt: your student debt is not listed in the BKR, but you must report it honestly. Lenders have been looking at the actual monthly payment since 2024, and that will remain the case in 2026.
• Work and contract: a permanent contract provides the most security. Do you work through an employment agency? Then you can also apply for a mortgage with a perspective statement, provided you have been employed for at least 26 weeks.
• Family loan: have you reached your maximum mortgage but are you still short of money? Then you can take out an extra loan with family. It is important that the interest is returned and the term is the same as that of your mortgage.
Do you want to know exactly what conditions for a mortgage you need to meet? Then ask our advisors for independent mortgage advice.
Starters between the ages of 18 and 35 will get a little more space in 2026. The threshold for the starter exemption for transfer tax rises from €525,000 to €555,000. Are you buying a home below that limit and do you also meet the other conditions? Then you do not have to pay transfer tax. With independent mortgage advice from Van Loon, you will find out whether you meet the conditions to make use of this scheme.
With the election campaigns in full swing, the mortgage interest deduction is another hot topic on the agenda of political The Hague. For now, nothing changes to this arrangement. The mortgage interest deduction will also remain unchanged in 2026. In the highest tax bracket, the deduction is limited to 37.48%, equal to the first bracket.
Do you want to buy, renovate or transfer your current mortgage in 2026? Our advisors are happy to help you with independent mortgage advice. We look beyond the standard and think along with you about what suits your situation. Request a personal and free https://www.van-loon.nl/particulier/hypotheek (mortgage calculation) right away. You can have a personal conversation in The Hague, Breda, Dordrecht or one of our other offices. Prefer online? That is also possible.
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