Mortgages rise as first-time homebuyers take out more loans
The number of mortgages taken out by Dutch homeowners in the first half of the year has gone up to...
In the first half of the year, Dutch homeowners took out a total of €84.8 billion in mortgages, marking an increase compared to the previous half of 2025. The surge in mortgage applications can be attributed to a growing number of first-time buyers entering the housing market. While this number was slightly lower than the record set in the latter half of 2025, it still represented an 8% rise from the first half of 2025.
The figures reveal that more young people are opting for starter loans alongside their mortgages. These starter loans serve as a financial bridge to cover the gap between the home's price and the amount a first-time buyer can borrow. In the first half of 2025, 8.3% of all starter home mortgages involved starter loans, up from 6.4% in the same period the previous year.
Starter loans are particularly popular among first-time buyers under the age of 25. In the first half of 2025, 15% of individuals within this age group utilized a starter loan, compared to 8.6% of those between 25 and 35 years old. The average loan amount was approximately €37,000, a slight increase from the previous year's €35,700.
Written by urgent.news from DutchNews's reporting — not their text. Machine-written — may contain errors; check the original before relying on it.
