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Current mortgage interest rate

Take a look at the current interest rates

Interest rates

A mortgage in 3 steps

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Calculate your mortgage and monthly payment in 2 minutes. Also useful if you have a house in mind.

House hunting

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Buying a home in the Netherlands

There’s a lot to consider when buying a home in the Netherlands and it can be a bit overwhelming. If you’re not sure where to start, follow our step-by-step guide, from calculating how much you can borrow till getting your mortgage offer.

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We offer a free one-hour orientation consult with an English-speaking mortgage adviser to go over your personal financial situation, and to give you more information about buying a home in the Netherlands.

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More about mortgage rates

Discount on your mortgage interest rate

You will get a 0.20% discount on your mortgage interest rate if:

  • Your salary is paid into an ABN AMRO current account 
  • You buy a new-build or energy-efficient home

If you meet both conditions, you will receive a 0.35% discount on your interest rate.

Your mortgage interest rate

Your mortgage interest rate depends on the following:

  • Your mortgage product 
  • Your mortgage type 
  • Fixed or variable interest rates 
  • The fixed-rate period 
  • The mortgage loan amount compared to the value of your home

Fixed or a variable rate of interest

Fixed interest rate: 

Your interest rate will stay the same for the period of time you agree with us, which can range from 1 to 30 years. This is what is known as the fixed-rate period. During this period, you will pay the same interest rate every month.

Variable interest rate:

Your interest rate can go up or down every month. This means that you will not have certainty as to how much you will be paying every month.

Mortgage interest deduction

If you are eligible for mortgage interest deduction, you will receive a proportion of the mortgage interest you pay back from the Dutch tax authorities. How much exactly you will get back depends on your income. Read more about deductible interest.

Interest rate averaging

If you would like to benefit from the current lower mortgage interest rate, but do not wish to pay a penalty in a single lump sum, you may wish to consider interest rate averaging. You will then start a new fixed-rate period with a new interest rate. The penalty payable for this can be spread out over the new fixed-rate period, meaning that you will pay it in the form of an interest rate markup.

Example Level-Payment Mortgage (Annuïteiten Hypotheek)

Loan amount€200,000
Mortgage rate2%
Fixed-rate period30 jaar
Interest amount€333,33
Redemption€405,91
Gross monthly payment€739,24
Total price of the mortgage€266.126,40
Annual percentage rate of charge2.02%

The calculation example only shows the monthly payment for the 1st month. Without any insurance premiums.

Frequently Asked Questions about mortgage interest

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