Your mortgage interest rate options

Your new fixed-rate period

If your fixed-rate period is about to expire, it is time to choose a new fixed-rate period and associated new interest rate. Choose your interest rate yourself on Internet Banking or in the Mobile Banking app and get instant confirmation of your new monthly payment.

 

Fixed or variable rate of interest?

If you opt for a fixed rate of interest, you are automatically also opting for a fixed-rate period. If you would like to switch from a fixed interest rate to a variable interest rate, you can do so free of charge upon expiry of your fixed-rate period. Switching from variable to fixed is possible every month. Read about the key features of both interest rates.

 
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Fixed interest rate

  • You are protected against interest rate increases, but will not benefit from interest rate decreases
  • You always know how much you have to pay every month
  • There are several fixed-rate periods to choose from
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Variable interest rate

  • The rate can go up or down
  • Your monthly payment can subject to change every month
  • With a variable interest rate, you can often make unlimited fee-free repayments
 

Interest rate refixing period: you decide

If you have a fixed-rate period with an interest rate refixing period, you can choose yourself when to fix your new interest rate in the final two years of the fixed-rate period. You will automatically be notified when your interest rate refixing period starts.

  • If you expect interest rates to increase, you may be interested in fixing your interest rate as soon as the refixing period starts.
  • If you expect interest rates to decrease, it may be better to wait before fixing your new interest rate. 

Once you have made your choice, your new interest rate will take effect the following month. For assistance, make an appointment with one of our advisers.

 

If you have changed your mind and want a different fixed-rate period

You will receive a new interest rate offer 3 months before your fixed-rate period expires. You can then also choose a new fixed-rate period. If you want to switch to a variable interest rate, please contact one of our advisers.
Tip
 

Lower interest rate and your monthly payment

A lower interest rate does not necessarily translate to a lower monthly payment. If your mortgage is a Bankspaar Hypotheek (Savings-Based Mortgage), for example, you are building up savings that you will ultimately use to repay your mortgage. The interest you receive on these savings is paid at the same rate as the interest you pay on your mortgage loan. The lower the interest rate, the longer it will take you to save up the amount you need to cover your mortgage loan amount. In some cases, your monthly payment will even go up with a lower interest rate.

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.