Current mortgage interest rate

Mortgage interest is the interest you pay on your mortgage. You pay the bank interest on the remaining amount of your mortgage loan every month. If you make monthly repayments as well, the debt will gradually decrease. The smaller your debt, the less interest you pay.

The interest rates for the various types of mortgages change regularly. The interest rate table on this page always shows the latest interest rates. If you’d like to know whether we expect mortgage interest rates to rise or fall in the near future, take a look at the housing market monitor, which gives forecasts by our economist Philip Bokeloh.

If you want a buy-to-let mortgage, you can keep your current interest rate contract but you will be charged a risk surcharge on the interest. The surcharge depends on whether you will be staying in the Netherlands or moving abroad. Your adviser can tell you more about this.

More about buy-to-let

This is difficult to predict. There are several factors that affect mortgage interest rates, including the state of the economy, for example. Mortgage interest rates can remain stable for a long time, or they can change several times a month.

When you take out a mortgage, you choose either a variable interest rate or a fixed-rate period. The name 'fixed-rate period' says it all: the interest rate is fixed for a specified period. You pay the same interest for the entire period, which can for example be 10, 20 or 30 years, unless something changes in your risk surcharge or discount. Generally speaking, the longer your fixed-rate period, the higher the interest rate.

If you have an NHG-backed mortgage and you are forced to sell your home due to a divorce, unemployment or occupational disability, for example, any residual debt can be taken over. As this reduces the risks for the bank, the interest rate on an NHG-backed mortgage is often lower. You must satisfy certain conditions to be eligible for an NHG-backed mortgage.

More about the Dutch National Mortgage Guarantee