The past few years have brought major changes to the real estate market, especially for private landlords. New legislation such as the Affordable Rent Act and ongoing uncertainty about Box 3 taxation have prompted many property owners to reconsider: is it still worthwhile to continue renting out? Or is this the right moment to sell?
It’s a logical question—especially when a tenancy ends. When a tenant moves out, it’s often a natural time to revisit your strategy. But selling isn’t always the wisest choice. In this blog, we explain why it can be smart to look beyond the short term and how long-term renting can still deliver solid value.
Changing regulations and tax pressure: what exactly is going on?
The Affordable Rent Act shifts the points-based rental system, meaning more properties may fall under rent regulation. At the same time, the discussion around Box 3 taxation continues, and the way real estate is taxed may become less favourable for private investors.
The result? Uncertainty. And uncertainty pushes many landlords to play it safe—by selling, while it’s still possible.
But is that really the best move?
The long-term value of real estate
One aspect often overlooked in the rent-or-sell debate is that real estate tends to increase in value over time. While no market comes with guarantees, past decades show a consistent average value increase of 3 to 5 percent per year. On a €400,000 property, that’s an annual increase of €12,000 to €20,000—without lifting a finger.
If you sell, that growth stops. You don’t just lose rental income, you also forgo future capital appreciation. And that’s where short-term thinking starts to cost you in the long run.
Smart letting is more valuable than you think
Another frequently underestimated factor is the potential to optimise your rental income. With relatively simple upgrades—such as insulation, double glazing, a high-efficiency boiler, or an updated kitchen or bathroom—a property can significantly improve its score in the points system. The result? A higher score, and a higher (regulated) rent.
Interhouse actively advises landlords on this. We understand the scoring system, identify opportunities, and offer clear insights into how an investment of a few thousand euros can lead to higher rental returns. In some cases, the increase is enough to push a property above the liberalisation threshold—granting more freedom in pricing and rental terms.
Outsource property management: fewer worries, better returns
Some landlords consider selling simply to avoid the hassle. Maintenance, tenant communication, ever-changing regulations—it can feel like a full-time job. But it doesn’t have to be.
By outsourcing your property management to an experienced partner like Interhouse, you can enjoy the benefits of rental income and value growth—without the stress. We take care of everything: from selecting the right tenant to technical maintenance and legal matters.
A few tax clarifications:
There’s a lot of confusion about taxation of primary residences and capital gains in the new Box 3 system. The Dutch government provides clarity:
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A primary residence remains in Box 1 and will not move to Box 3. The calculation remains: deemed rental value minus mortgage interest deduction.
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Capital gains on your primary residence are not taxed in Box 3. Only if the property is sold and the proceeds are placed in a savings account, will the interest on that balance be taxed. The capital gain itself is not taxed.
You can always sell later
Ultimately, it’s your property, your asset, and your decision. Selling is always an option. But once you sell, it’s final. The property is gone, the appreciation stops, and the returns are no longer yours. Going back isn’t as simple.
Letting, on the other hand, gives you flexibility. Especially when working with fixed-term rental agreements within the legal framework, you stay in control of your asset. And as long as the property continues to grow in value, so does your wealth.
Considering selling anyway?
Some landlords consider selling in order to invest elsewhere. Popular alternatives include crypto or real estate in so-called ‘promising’ foreign markets such as Dubai or Spain. These options are widely promoted on (social) media. Everyone is free to decide where to invest their capital, but always assess the risks carefully. Consider factors like unpredictable regulations, economic instability, limited control from afar, and a high dependence on third parties.
Compared to that, investing in Dutch real estate remains a stable, transparent, and reliable choice—especially when working with a local specialist who takes care of the management for you.
So, what’s the right timing for you?
At Interhouse, we speak to landlords with doubts every day. We listen to their story, analyse the situation, and offer advice. Sometimes, selling truly is the best step. But in many cases, smart letting turns out to be the better long-term strategy—especially when returns are solid, the property remains attractive, and the management is handled by the right party.
Curious about what’s wise in your situation? We’re happy to help. Not based on guesswork, but on data, returns, and your personal goals.
What’s your story?
Get in touch with Interhouse and discover what smart letting advice can mean for your property.
