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Annuity mortgage

Calculate your annuity mortgage

The annuity mortgage is one of the most frequently selected mortgage types. This is because the fixed monthly payment gives you the peace of mind of knowing that your loan will have been repaid by the end of the term. Calculate now how much you can borrow on a mortgage or read on to find out more about the annuity mortgage.
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Annuity mortgages explained

With an ABN AMRO annuity mortgage, you repay part of the loan each month. That way, you can be sure that you are repaying the mortgage in full. At the beginning of your mortgage term, your repayment is smaller and you pay more interest. The opposite applies later on. This type of mortgage usually entitles you to the mortgage interest tax deduction.
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Features of the annuity mortgage

Fixed monthly payment

You pay a fixed amount each month. In the beginning, this amount mainly consists of interest, with a small repayment component. The opposite applies later on.

Mortgage interest tax deduction possible

If you use the mortgage to purchase, renovate and/or improve your home, the mortgage interest is tax-deductible for up to 30 years.

Peace of mind about full repayment

By the end of the term, the entire mortgage will have been paid off. That gives you peace of mind as you won’t have any debt left at the end of the mortgage term.

Interest rates

Frequently Asked Questions

Annuity mortgages explained

With an ABN AMRO annuity mortgage, you repay part of the loan each month. That way, you can be sure that you are repaying the mortgage in full. At the beginning of your mortgage term, your repayment is smaller and you pay more interest. The opposite applies later on. This type of mortgage usually entitles you to the mortgage interest tax deduction.

Annuity mortgage or linear mortgage

For both types of mortgage, your monthly payments consist of interest and repayments. With an annuity mortgage, you pay a fixed amount each month, while a linear mortgage has a larger monthly payment in the first few years, which gradually decreases over the fixed-rate period. Find out which type of mortgage is right for you.

Additional repayments on an annuity mortgage

You can make additional repayments on an annuity mortgage, thereby decreasing your monthly payment or the mortgage term. Do be aware that penalty interest may be charged if you make an additional repayment; this depends on your mortgage terms and conditions.

Annuity mortgage interest

With the annuity mortgage, you have a choice between a fixed and a variable interest rate. Check the current mortgage interest rates. 

Dutch National Mortgage Guarantee (NHG)

If the price of your home is below € 405,000 , you can apply for the National Mortgage Guarantee.

Annuity mortgage terms and conditions
The terms and conditions for your mortgage are very important. Always make sure you read the terms and conditions before you sign a mortgage offer.

Reasons for taking out a mortgage from ABN AMRO

Discount on your mortgage interest

Client discount of up to 0.2% if you have an ABN AMRO payment package. And a sustainability discount of up to 0.15% when you buy an energy-efficient home or take further sustainability measures.

Free orientation meeting

To find out more about your options, make an appointment  for an orientation meeting, free of charge. Wherever and whenever suits you best, by telephone or in a video call.

Manage your mortgage yourself

You can view and change your mortgage yourself on Internet Banking. From changing the interest rate to making additional repayments. It’s secure and easy.

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