
Change your mortgage interest rate
Discover your options
Do you want lower monthly expenses? More financial security? Or swap your variable interest rate to a fixed rate? You can change your mortgage interest quickly and easily in Internet Banking or the ABN AMRO app.

We are happy to help
To find out whether it’s a good idea for you to change your mortgage interest, make a free, no-strings-attached appointment with one of our advisers.
FAQs about changing mortgage interest rates
Why should I change my mortgage interest?
Changing your mortgage interest when the current interest rate is lower than the rate you’re paying can be beneficial. It can lower your monthly payments. It might also be a good time to think about changing your type of interest, depending on the level of certainty you require. Choosing a fixed interest rate means that you know exactly where you are, whereas a variable interest rate allows you to benefit from interest rate drops on the market. However, interest rates can also rise.
How can I change my rate category?
Take a look in Internet Banking or the ABN AMRO app to see whether you can lower your rate category and how to go about it. If you’re nearing the end of your fixed-rate period, we’ll send you a new offer which automatically includes a review of your rate category.
How much does it cost to change my mortgage interest?
Changing your interest rate is either free or subject to a fee, depending on your situation. If you’re approaching the end of your fixed-rate period and you agree with our offer, we will make the change free of charge. But if you want to change your interest rate during its term, you may have to pay a fee. In some cases, you will also be charged costs. These could include administrative fees and/or a consultation fee for detailed mortgage advice.
What is risk surcharge?
Risk surcharge is an extra interest percentage on top of your basic mortgage interest rate. It is applied if you borrow a relatively high amount in relation to the value of your property, resulting in a higher financial risk for us.
What are the consequences in terms of tax?
A lower interest rate will affect your mortgage interest deduction. If you receive a monthly provisional tax refund from the Dutch authorities, remember to adjust it to your new situation. Go to the website of the Dutch Tax and Customs Administration to find out how.
Reasons for taking out a mortgage from ABN AMRO
Stay on top of your mortgage
Track your mortgage on Internet Banking or in the ABN AMRO app. It’s secure and easy.
Make changes to your mortgage yourself
From changing the interest rate to making additional repayments. Making changes to your mortgage couldn’t be easier. You can do it yourself online.
Videoconferencing with an adviser
Video Banking makes it easy. Simply use your computer, smartphone or laptop.