Dutch housing market stalls as Rabo forecasts flat prices in 2026

Consumers are urged to exploit recent house‑price gains by seeking mortgage‑rate discounts, investing in qualifying green funds and using aggressive tax‑planning to boost savings. The advice notes that many homes have risen about 9 % in value, allowing borrowers to keep loan‑to‑value ratios below 60‑80 % and qualify for rate cuts of around 0.4 percentage points.

RaboResearch economists project that existing‑home price growth will flatten to zero for the rest of 2026, citing the impact of the Middle‑East conflict, slower economic growth and rising inflation. Higher capital‑market rates are expected to push mortgage rates higher, reducing household borrowing capacity and dampening demand. They still see modest price increases of 2.8 % in 2026 and 2 % in 2027, while new‑home deliveries may rise this year before falling amid construction cost pressures.