Dutch Housing: Rates, AI, Buy or Rent?

Interest rates in the Netherlands have risen slightly to around 4.3% for a 10-year fixed mortgage, driven by Middle East instability and persistent housing demand. Major banks ABN Amro, Rabobank and ASN are restricting interest-only mortgages, capping them at 30%, while the government has frozen changes to mortgage tax relief at 37%. Expats weighing whether to buy or rent should consider length of stay, work contracts and savings. Mortgage advisors caution that while AI tools are useful for basic research, human expertise remains essential for personalised guidance and verifying calculations.