In the wake of the 2008-09 financial crisis, the Dutch government and financial regulator introduced a series of changes that were designed to protect the financial system and housing market for the future, including:
There have been further social and demographic changes, with population growth and decreasing family sizes leading to an increased demand for flexible and temporary housing solutions.
*Above data is sourced from Rabobank.
BTL mortgages are loans to purchase residential properties for investment purposes. The loans, which are pooled together and structured into new securities to mitigate the default risk inherent with individual borrowers, are a way of transforming rental housing into an investable asset class.