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Mortgage for rental property

The option of letting your current home

Do you have a mortgage with ABN AMRO and are planning to move? Want to rent out your current home? Then the Mortgage for rental property might be right for you. This mortgage gives you our permission to rent out your property, ensuring you comply with the mortgage terms. Read the information below and make a calculation to see what this means for you.

The benefits and things to bear in mind: Mortgage for rental property

Benefits

  • As an existing ABN AMRO client, you can keep your current mortgage contract with just a few adjustments, so that you will not be charged the early repayment fee.
  • Remortgaging to a Mortgage for rental property, also known as a ‘consent-to-let mortgage’, does not require a trip to the notary.
  • The Mortgage for rental property has a long term of a maximum of 30 years.
  • If the home has an energy label A or B, you can borrow more, up to 80% of the market value when let. With a lower energy label (C, D, etc.), the maximum amount you can borrow is 75% of the market value when let.
  • A partially interest-only loan is also an option.

What to bear in mind

  • The Mortgage for rental property is subject to an interest rate markup.
  • If your current mortgage includes the National Mortgage Guarantee (NHG), this guarantee will cease to apply. This means that you will pay the interest rate without the National Mortgage Guarantee, which may be higher than your current rate.
  • Letting your property is sometimes subject to permission from the local authority or, if it is an apartment, the Owners’ Association.
  • You can remortgage to a Hypotheek voor verhuur rental mortgage if you meet our acceptance rules, which we will assess during the application process. We will also factor your current housing expenses into our calculation of how much you can borrow on a Hypotheek voor verhuur rental mortgage.

Make a calculation

What to find out whether a Mortgage for rental property could be interesting for you and see how it would work out financially in your case? Log in to your personal mortgage environment on Internet Banking and easily calculate your financing. 

More about the Mortgage for rental property

Reasons for taking out a mortgage with ABN AMRO

Direct contact with a home expert

Videoconferencing makes it easy. Simply use your computer, smartphone or laptop.

Expert in Expats

Receive personal, expert mortgage advice to help you make the best decisions.

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.