Mortgage types at a glance

Mortgage types offered by ABN AMRO

A mortgage is a loan. The form your repayments take is dependent on the mortgage type. You can choose from multiple mortgage types. Check out their features and differences below.

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Level-Payment Mortgage (Annuïteiten Hypotheek)

  • You pay interest every month and repay part of the loan
  • You pay the same gross amount every month for as long as the interest rate is fixed
  • Your net monthly expense rises as time passes
  • Your tax benefit grows smaller as time passes
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Straight-Line Mortgage (Lineaire Hypotheek)

  • You pay interest every month and repay part of the loan
  • Your monthly expense is higher at the start
  • Your monthly expense falls as time passes
  • Your tax benefit grows smaller as time passes
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Interest-only Mortgage (Aflossingsvrije Hypotheek)

  • You only pay interest
  • You repay the loan once the mortgage has reached maturity
  • Your gross monthly expense stays the same as time passes for as long as the interest rate is fixed
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Savings-Based Mortgage (Bankspaar Hypotheek)

  • A bank savings account is linked to your mortgage.
  • You deposit a given amount each month in you bank savings account to repay your mortgage once it has reached maturity
  • The interest rate on your savings corresponds to the mortgage interest
  • You pay interest and deposit savings every month
  • You qualify if you had taken out a Savings-Based Mortgage before 1 January 2013

Changing mortgage types

You can change your mortgage type if you like. By changing mortgage types, you change the way in which you repay the loan to us. The maturity date or the interest rate contract will not change. Changing your mortgage type will affect your monthly expense, for instance because you are expected to make higher repayments.

About changing your mortgage type

Do you have a different type of mortgage?

If your mortgage is of a different type altogether or you have already taken out a mortgage from ABN AMRO, your mortgage may be of a type that is no longer available to new borrowers. Read more about your mortgage type or check out the conditions.

  • Savings growth mortgage (Spaargroei Hypotheek)
  • Capital growth mortgage (Kapitaalgroei Hypotheek)
  • Insurance-linked mortgage (Meegroei Hypotheek)
  • Insurance-linked mortgage (Startzeker Hypotheek)

Negative equity financing

If your mortgage is underwater and you want to move house, you may be able to secure a loan to cover your negative equity. Your negative equity will then be added to the mortgage loan for your new home.

Read more about negative equity financing

Reasons for taking out a mortgage from ABN AMRO

Schedule your appointment

Schedule your appointment online: same-day service, if available.

Video conferencing with an adviser

Where and whenever you like. Use your computer, smartphone or laptop.

Making changes to your mortgage yourself

Your options range from changing your interest rate to making additional repayments. Just use the ABN AMRO online self-service.