Coronavirus & Housing Market

We are all talking about the Coronavirus at the moment. What is going to happen, what will the effect be for the Dutch economy and housing market? Right now it’s difficult to estimate what the exact consequences are going to be for the property prices, viewings, mortgage interest rates and the availability of houses to buy.

Viewings are still taking place even though it could be in a different form with limited people present during a viewing or via a live video call.

According to Vereniging Eigen Huis "It is too early to predict that house prices will fall. It is clear, however, that house prices may rise less rapidly due to the corona crisis. This could calm the overheated housing market in many places. However, the structural shortage on the housing market is not suddenly over. It is plausible that more potential buyers will temporarily step in place."

Even for experts, the long-term consequences of the corona crisis on the housing market is a big question mark. We are hopeful, that when normal life takes its course again, the housing market will also normalise.

We wish everyone who is confronted with any form of the coronavirus all the best and a lot of strength!! If you would like to know more about the measures we take or if you have any other questions about the housing market, you can reach us at

Take care and stay safe!

What is National Mortgage Guarantee?

The Dutch National Mortgage Guarantee scheme is unique in Europe. It helps you take out a mortgage that is affordable and responsible from the start. And if you do run into problems meeting your payments due to circumstances beyond your control, the National Mortgage Guarantee may provide a safety net for you and your mortgage lender.

The National Mortgage Guarantee is referred to in Dutch as ‘NHG’ or ‘Nationale Hypotheek Garantie’.

Make sure your mortgage matches your income
When you take out an NHG-backed mortgage, you know for sure that your mortgage matches your income. That’s because your mortgage meets the criteria for responsible lending and borrowing set by the National Institute for Family Finance in the Netherlands (NIBUD). So you know for sure that you’re not borrowing more than you can afford. After making the monthly mortgage payment you’ll still have money left for other expenses like groceries, insurance and your savings account.

Safety net if you can no longer pay your mortgage
If you have an NHG-backed mortgage and can no longer pay your mortgage due to specific circumstances beyond your control, you and your mortgage lender can turn to us for support.

The specific circumstances under which NHG comes into operation are:

  • if you lose your job
  • if your relationship ends
  • if you become disabled for work
  • if your partner dies

NHG is a guarantee provided to the mortgage lender (for example the bank) by a government-backed foundation, the Homeownership Guarantee Fund (Waarborgfonds Eigen Woningen or WEW). If your circumstances change for reasons beyond your control, the NHG may provide a safety net for you to fall back on when times are tough.

Sourch: NHG


Housing Event Utrecht Region

A FREE housing event in Utrecht to provide you all the information you need when buying a house in the Netherlands. Meet the experts and get answers to questions regarding your personal circumstances.

Meet the experts of:

  • Rabobank Utrecht
  • Independent Expat Finance
  • Sjouke Jager Vastgoed
  • Stadsdaemes OG
  • TrustanBouw
  • Expatax

At this housing event, you will find all the information you need by attending one of the professional plenary presentations or by getting into 1 on 1 contact with reliable service partners. There will be estate agents, mortgage advisors, a bank, contractors and tax advisors present to provide all the information you might need during the process of buying a house.

When: Sunday, June 3, 2018
Where: Rabobank building, Maliebaan 15, Utrecht
Time: 13:00 - 17:00
Parking: Free public parking spaces
Registration: FREE

Don't worry about bringing your children, there will be professional nanny service.

Register for free here.

Nothing beats Utrecht

The city centre of Utrecht was founded by the Romans and its ancient city centre features many buildings and structures several dating as far back as the High Middle Ages. Most people don’t realize that it’s a lot older than Amsterdam, Leiden or Delft. Utrecht was the most important city in the Netherlands until the Dutch Golden Age.

Utrecht is host to Utrecht University, the largest university in the Netherlands, as well as several other institutions of higher education. These institutions take care that there is a big influx of young and fresh students every year. Which results in a huge number of (coffee)bars, hip restaurants, and quirky shops. The place is buzzing all year round.

Due to its central position within the country, it is an important transport hub for both rail and road transport. So for business travellers and corporate expats Utrecht city centre is perfect to live in!

Recently rented

Beautiful apartment in medieval grain warehouse

Very glad we have been able help the Birbil family to find the rental house they’re looking for in Wittevrouwen neighbourhood and a temporarily stay at the Canal Garden apartment for a smooth transition coming from Turkey.

Another employee of the Utrecht University was referred to me for help to find a home in Utrecht. Coming over from Turkey in February 2018 Pinar required a rental house in Utrecht for her husband and two kids going to school in Ondiep. We found her a beautiful rental house in Wittevrouwen neighbourhood. Before they can move in they’ll stay in a beautiful apartment situated in a former medieval grain warehouse.

Expat Party to Celebrate The New Year

A great party was thrown in the TivoliVredenburg to celebrate the New Year on 12th Janaury. The mayor of Utrecht, Jan van Zanen opened with some words. Never had this many internationals attended a gathering in Utrecht before. It was hosted by Darla Duggan, Sharon D. Clark and Emma England in conjunction with the Economic Board Utrecht. As this party was a big success, I really hope we can have another next year.

Independent Expat Finance

Independent Expat Finance is a financial intermediary. They relieve expats from the stress of organizing personal finances in the Netherlands. They offer mortgages, banking, investments, insurances, and more. Theo, Serge, and Liaget have a combined experience of 20 years in financial services. They know their way around the Dutch financial world. As insiders, they make sure your Dutch life is hassle-free and comfortable.

Independent Expat Finance: Your one-stop shop for financial peace of mind | Visit for more information.

Tax & Service Solutions

Discover their triple-A tax services: Accurate, Accredited, Affordable.

Besides the excellent services and very competitive fees you will also discover that the people of Tax & Service Solutions have strong personal engagement when it comes to your tax matters and financial situation. They are fully aware of the fact that taxes can be boring. Why don’t you let them do the boring and annoying work for you so you can enjoy things that are more important to you! Their clients experience a personal and reliable approach.

Universiteit Utrecht

As International Service Desk we often refer new international staff and guests to Sjouke Jager for assistance in finding accommodation. Sjouke has a very good knowledge of the housing market (rental and buying) and he gives realistic advice about what to expect of the increasingly tight market of Utrecht. He is very dedicated to helping people finding a suitable home. Sjouke is a very good, accurate and pleasant partner to work with and we highly recommend his work and services.

Margo Pruiksma, Hospitality Officer
International Service Desk
Utrecht University