New rules for mortgage loans

From January 1, 2018 on, the rules for mortgage loans will change. The maximum mortgage loan will be 100 percent of the value of the home. These new rules are in effect for everyone who receives a binding mortgage offer on or after this date.

Lower cap for mortgage

Every year the norms change for mortgage loans used for financing a home. The maximum loan-to-home-value ratio will be 100 percent in 2018. This means that possible extra costs will no longer will be covered by a mortgage. This new norm will be implemented to protect home owners against over-crediting and to keep mortgages affordable.

Binding mortgage offer in 2017 or 2018

Banks and other mortgage providers must adhere by these new rules. They must offer assurance to home buyers by issuing a binding offer. Has this offer been issued in 2017? Then the current rules will still apply.

Shorten the lead time

At Freek, we have a good overview on the lead times of a mortgage application, so we can make a good estimate on whether a binding offer can still be issued in 2017. Is this isn’t the case, we will timely inform you about the norm changes so you can take those into account. As a buyer, you have influence on the lead time as well, by delivering all necessary documents in a timely manner. Want to know more? Get in touch with Freek!


  • Freek Hypotheek
  • 5 december 2017


  • Algemeen

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