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 market pressures. Major banks including ABN Amro and Rabobank are also restricting interest-only mortgages, capping them at 30%. The government has confirmed no further changes to mortgage tax relief, currently at 37%, and plans to ease property splitting rules to boost housing supply. Experts advise using AI tools cautiously for research, emphasising the importance of personalised advice from mortgage professionals when making buying decisions.