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Linear mortgage

Decreasing monthly payments

The linear mortgage is a simple type of mortgage. You repay a fixed amount each month and the mortgage is repaid in full at the end of the term. Calculate now how much you can borrow on a mortgage or read on to find out more about the linear mortgage.

Calculate linear mortgage Take a look at our other mortgage types

Linear mortgages explained

With an ABN AMRO linear mortgage, you repay the same amount each month. This means that your debt decreases more quickly and you pay less interest over the entire term. If you want to have money left over in the future, the decreasing monthly payment can be attractive. This type of mortgage also usually entitles you to the mortgage interest tax deduction.

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Linear mortgage features

Decreasing monthly payment

Every month, you pay off part of your loan. Your debt will therefore decrease, so that you have money left over in the future for things like putting your children through university or your pension.

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

Linear mortgages explained

With an ABN AMRO linear mortgage, you repay the same amount each month. This means that your debt decreases more quickly and you pay less interest over the entire term. If you want to have money left over in the future, the decreasing monthly payment can be attractive. This type of mortgage also usually entitles you to the mortgage interest tax deduction.

Linear mortgage or annuity mortgage

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

Additional repayments on a linear mortgage

You can make additional repayments on an linear 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.

Linear mortgage interest

With the linear 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 € 450,000 , you can apply for the National Mortgage Guarantee.

Linear 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

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