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Budget or Home Mortgage

A choice of 2 mortgages

At ABN AMRO, you can choose between two mortgage options: the Budget Mortgage (Budget Hypotheek) and the Home Mortgage (Woning Hypotheek). We also offer different repayment options for you to choose from, including repayment as a Level-Payment Mortgage, Straight-Line Mortgage or an Interest-Only Mortgage. Decide which mortgage type best suits your situation or discuss it with a mortgage adviser.

 

When might the Budget Mortgage be just the thing for you?

  • When you expect to sign the new mortgage deed before the notary, i.e. execute the mortgage deed, within 12 months. The quote is temporarily valid for 12 months instead of 6 months. The effective date is the date on which the rental offer was made. This promotion runs until September 1, 2025.
  • When you want to use the portable mortgage scheme and you currently have a Budget Mortgage
  • .

When might the Home Mortgage be just the thing for you?

  • When you have the new mortgage deed signed by the civil-law notary within 12 months. This is called reaching the mortgage deed. The quote is valid for 12 months from the date on which the rental offer was made.
  • When you think mortgage interest rates will drop and will be lower on the date you are set to sign the mortgage deed. You will then get the lower rate for your mortgage.
  • When you want to use the portable mortgage scheme and you currently have a Home Mortgage.

The differences between the Budget Mortgage and the Home Mortgage

 

The Budget Mortgage

  • The offer is valid for 6 months from the date the interest offer was issued.
  • After you sign the mortgage deed, you will pay the interest specified in the offer.
  • If you have received a new interest offer, because your fixed-rate period is due to expire, you will pay the interest rate from the new interest offer over the new fixed-rate period.
  • You pay 0.15% less interest than the rate for the Home Mortgage.

The Home Mortgage

  • After you sign the mortgage deed, you will pay the interest specified in the offer. If the interest rate has dropped by the time you execute the mortgage deed, you will pay this lower rate of interest.
  • If you have received a new interest offer, because your fixed-rate period is due to expire, you will pay the interest rate from the new interest offer over the new fixed-rate period. If the interest rate that applies on the start date of your new fixed-rate period is lower, you will pay this lower rate of interest.
  • You pay 0.15% more interest than the rate for the Budget Mortgage.
  • With the Bridging Loan, the Sustainable Home Mortgage and the Home Equity Mortgage, you pay the interest rate stated in the offer. Even if the interest rate is lower at the time the mortgage deed is signed, the interest rate offered remains the same.

Reasons for taking out a mortgage from ABN AMRO

Support from A to Z

A personal mortgage adviser: from the early stages of your house hunt until the mortgage has been secured.

25 years’ experience

Dutch mortgage market leader and expert in expats.

Service in English

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

Most frequently searched terms about mortgages