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Mortgages

Care-free living with a mortgage that's right for you

Just moved to the Netherlands and searching for a home to buy? We'll help you along, step by action. Read whatever there is to understand about mortgages and the housing market in the Netherlands. Or talk to one of our English-speaking professionals.

Mortgage Calculator

Learn your optimal mortgage and regular monthly payment

Interest Rates

Check the current mortgage rates of interest

My Mortgage

Easily check or alter your mortgage online

Buying a home in the Netherlands: detailed

What should you look for on a viewing? How does putting in an offer on a house work? And what takes place when you desire to take out a mortgage? We will direct you through the procedure.

Reasons for getting a mortgage from ABN AMRO

Support from A to Z

A personal mortgage consultant: from the early phases of your home hunt up until the mortgage has actually been secured.

25 years' experience

Dutch mortgage market leader and expert in expats.

Service in English

The whole procedure and mortgage application are in English, with English-speaking mortgage advisers.

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to secure a mortgage.
a mortgage as an organization owner.
to take out a buy-to-let mortgage.
a mortgage in a foreign currency.
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information about sustainable living.
more information about mortgage types.
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a purchaser's agent.
Free orientation speak with

The first meeting with a mortgage adviser is constantly complimentary. In one hour, they will review your individual situation with you, and what you are looking for in a brand-new home and mortgage. Afterwards, you will receive an orientation report with a comprehensive mortgage estimation.

Frequently asked questions about mortgages

Can I get a discount rate on my mortgage rate of interest?

Yes, in numerous cases you can get a discount on your mortgage rate of interest with ABN AMRO.

- If you already bank with ABN AMRO and your monthly income is paid into your ABN AMRO present account, you get approved for a customer discount rate. 'Monthly earnings' can be income from work, your benefits, your pension, earnings from your own service or earnings from rental activities. More about the customer discount rate

- If you are purchasing a home with energy label B, A or higher, you will get a sustainability discount on the mortgage rates of interest. This also applies when you refurbish your home to increase the energy label to A or B and sign up the brand-new energy label within 24 months of the start of your fixed-rate duration. Your (new) fixed-rate period will have started on or after 1 August 2021. More about our sustainability discount rate.
What about tax breaks when purchasing a home?

When buying a home in the Netherlands, your mortgage interest might be tax-deductible. If so, you can deduct the interest you pay on your mortgage from your taxable earnings on your income tax return. Some of the costs and charges you incur in buying a home are also tax-deductible.

More about tax breaks

What is the Dutch National Mortgage Guarantee?

When buying a home, you can choose to take out a mortgage that includes the Dutch National Mortgage Guarantee (NHG). This means that your mortgage is ensured by the Dutch Homeownership Guarantee Fund (Stichting Waarborgfonds Eigen Woningen), so your risk and your rate of interest will both be lower.

More about NHG

How do mortgages operate in the Netherlands?

A mortgage is a loan to buy a home. In the Netherlands, you can obtain up to 100% of the worth of the residential or commercial property. If you are seeking to purchase a home and secure a mortgage for it, first compute the optimum amount you can borrow on a mortgage. As quickly as you have actually done that, you can schedule a free orientation meeting to discuss your alternatives with a mortgage adviser.

If you have actually already put in an offer on a house and it has actually been accepted, we will set up a second conference with a mortgage adviser: the mortgage recommendations conference. That is when you pick:

- the Budget Mortgage (Budget Hypotheek) or the Home Mortgage (Woning Hypotheek).
- the mortgage type for payment of your mortgage o a fixed or variable interest rate.
Can I get a mortgage myself or do I require mortgage recommendations?

This depends on how much you understand about mortgages and your experience with mortgages.

Do you have a clear photo of your monetary situation? And do you enough about mortgages to be able to approximate your threats and the consequences of the choices you make? If you can respond to 'yes' to both these concerns, you can take the Mortgage Self-Service choice. While a mortgage coach will then assist you with your mortgage application, you will not get mortgage guidance. It likewise indicates that you will not be charged any advice charges, just a dealing with fee. More about Mortgage Self-Service

If you choose you want some recommendations after all on the choices you mean to make, you can constantly change to the Mortgage With Advice alternative. One of our mortgage consultants will then assist you with advice on the mortgage type, rate of interest and term, and they will discuss the dangers of your choices for now and in the future.