Current mortgage interest rate

Take a look at the current interest rates

Interest rates

A mortgage in 3 steps

icoon
icoon
icoon
icoon

Mortgage calculator

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

icoon

House hunting

From orientation to viewing and finding the right broker. Read what is involved in buying a house.

icoon

Expert mortgage advice

It is important that your mortgage suits you. Make a mortgage appointment with an expert advisor.

Mortgage especially for expats

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.

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 rate 2%
Fixed-rate period 30 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 charge 2.02%

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

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 rate 2%
Fixed-rate period 30 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 charge 2.02%

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

Reasons for taking out a mortgage from ABN AMRO

Personalised mortgage

Get a personalised mortgage that suits your individual situation. Exactly as you want it.

Videoconferencing with an adviser

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

Contact with adviser

Our advisors are always on hand to help you. And we provide information in English.