What is mortgage interest?

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.

What is the current mortgage interest rate?

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.

How does a buy-to-let mortgage work?

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

How often do mortgage interest rates change?

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.

Why might you opt for an interest rate that is fixed for 20 or 30 years or even longer?

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.

What means the Dutch National Mortgage Guarantee (NHG)

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

Current mortgage interest rate

Take a look at the current interest rates

Interest rates

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More about mortgage rates

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 rate discount or benefit

You can receive a discount on your mortgage interest rate with ABN AMRO, or benefit from an advantage if you have or purchase an energy-efficient home.

Client discount

Is ABN AMRO your main bank? Then you receive a 0.20% client discount. This means that your monthly income is paid into an ABN AMRO current account. This current account is part of an ABN AMRO banking package. Your income may come from employment, benefits, a pension, self-employed income, or rental income. Your mortgage must also be debited from the current account included in your ABN AMRO banking package.

Sustainability discount

Did you receive an interest rate offer or an offer for a new fixed-interest period before 1 April 2026? Then you may be eligible for the sustainability discount. Read more about the sustainability discount. Did you receive an interest rate offer from us on or after 1 April 2026? In that case, the offered interest rate is based on the energy label of your home. Read more about the impact of your energy label on your mortgage interest rate.

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.

About mortgage interest deduction

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.

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:

Mortgage interest rate discount or benefit

You can receive a discount on your mortgage interest rate with ABN AMRO, or benefit from an advantage if you have or purchase an energy-efficient home.

Client discount

Sustainability discount

Mortgage interest deduction

About mortgage interest deduction

Interest rate averaging

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.

Frequently Asked Questions about mortgage interest

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