Repaying your mortgage

Read the terms and conditions of your mortgage to find out how much you can repay each year without being charged a fee (this is called your annual exemption or fee-free margin). This is usually 10%. If you want to repay more, you may have to pay a fee (formerly known as penalty interest).

Good to know: the rules on fee-free extra repayments for the Investment Mortgage, the Leven Hypotheek and the Interest-Only Mortgage have changed on 1 December 2025. Making additional repayments on these types of mortgages has become more advantageous. Since this date, you’re not charged a fee if you make additional repayments on a loan (or loan part) for these types of mortgage, even if you repay more than your annual exemption (fee-free margin) in a single year. But you should take into account that the additional repayments must be made from your own money, your savings for example. Your ‘own money’ is taken to mean money that is not borrowed. The bank decides whether or not your money is your own. The rules about fees for additional repayments, as stated in the mortgage terms and conditions, continue to apply for all other types of mortgages.

At the moment, you can’t pay off your entire mortgage on Internet Banking or in the ABN AMRO app. Please contact us if this is what you want to do.

Make an appointment

You may be charged a fee if you make additional mortgage repayments. This is known as a ‘Fee for Early Repayment’ (formerly ‘penalty interest’), and compensates the bank for the amount it loses if you repay your mortgage before the end of the term.

Good to know: the rules on fee-free extra repayments for the Investment Mortgage, the Leven Hypotheek and the Interest-Only Mortgage have changed on 1 December 2025. Making additional repayments on these types of mortgages has become more advantageous. Since this date, you’re not charged a fee if you make additional repayments on a loan (or loan part) for these types of mortgage, even if you repay more than your annual exemption (fee-free margin) in a single year. But you should take into account that the additional repayments must be made from your own money, your savings for example. Your ‘own money’ is taken to mean money that is not borrowed. The bank decides whether or not your money is your own. The rules about fees for additional repayments, as stated in the mortgage terms and conditions, continue to apply for all other types of mortgages.

Go to Internet Banking or the ABN AMRO app to find out how much you can repay without incurring a fee. If you are being charged a fee, we’ll calculate the amount first and explain it to you. You’ll see the amount of the fee before you send the order.

You can make additional repayments on various parts of your loan. On Internet Banking or in the ABN AMRO app, first enter the additional repayment for loan part 1. Don’t confirm it yet. Then enter the additional repayment for loan part 2 and any other loan parts. When you’re ready, confirm all the additional repayments in one go. You can make more additional repayments from the fifth working day of the next month.

Good to know: the rules on fee-free extra repayments for the Investment Mortgage, the Leven Hypotheek and the Interest-Only Mortgage have changed on 1 December 2025. Making additional repayments on these types of mortgages has become more advantageous. Since this date, you’re not charged a fee if you make additional repayments on a loan (or loan part) for these types of mortgage, even if you repay more than your annual exemption (fee-free margin) in a single year. But you should take into account that the additional repayments must be made from your own money, your savings for example. Your ‘own money’ is taken to mean money that is not borrowed. The bank decides whether or not your money is your own. The rules about fees for additional repayments, as stated in the mortgage terms and conditions, continue to apply for all other types of mortgages.

If you confirm the order for an additional repayment on Internet Banking by 11.59 pm on the 26th of the month at the latest, your repayment will be processed on the 1st day of the following month.

At ABN AMRO, you can usually make additional mortgage repayments up to a certain amount at no extra charge. This is usually up to 10% of the original principal sum per year, and is known as the ‘annual exemption’ or ‘fee-free margin’. The exact amount can vary, depending on the rules applying to your mortgage. To find out more, log in to Internet Banking or the ABN AMRO app. If you want to make additional repayments every month, you can repay an extra amount of up to 1/12 of the annual amount each month.

Good to know: the rules on fee-free extra repayments for the Investment Mortgage, the Leven Hypotheek and the Interest-Only Mortgage have changed on 1 December 2025. Making additional repayments on these types of mortgages has become more advantageous. Since this date, you’re not charged a fee if you make additional repayments on a loan (or loan part) for these types of mortgage, even if you repay more than your annual exemption (fee-free margin) in a single year. But you should take into account that the additional repayments must be made from your own money, your savings for example. Your ‘own money’ is taken to mean money that is not borrowed. The bank decides whether or not your money is your own. The rules about fees for additional repayments, as stated in the mortgage terms and conditions, continue to apply for all other types of mortgages.

Making additional mortgage repayments may affect your tax position. As you will pay less interest, and this interest is often tax-deductible, you may be entitled to less tax relief. If you receive a monthly tax refund from the Tax and Customs Administration, notify them of the change to prevent unpleasant surprises. Be careful about which part of the loan you repay, as this can have tax implications. Always consult the website of the Tax and Customs Administration or a tax adviser.

It may not be beneficial to make extra repayments on a mortgage with an accrual product, such as a savings-based mortgage. This is why you can’t make additional repayments on these mortgages on Internet Banking or in the ABN AMRO app. If you’re in any doubt, our advisers can help you to find out more.

You can make additional repayments on Internet Banking for:

• Annuity mortgage
• Linear mortgage Interest-only mortgage (including additional monthly repayments)
• Credit mortgage Mortgage shortfall loan (from your own money)
• Duurzaam Wonen Hypotheek (Sustainable Home Mortgage)
• Temporary payment freeze mortgage.

You can’t make additional repayments on Internet Banking for:

• Mortgages with an accrual product, such as a savings-based mortgage or investment mortgage
• Bridging loan
• Mortgage with a moving scheme
• Fee-free repayments up to the amount of your mortgage that exceeds the latest ‘WOZ’ value
• Repayments to reduce the term of the mortgage
• Fee-free repayments using ‘NAM’ payouts for clients living in the Groningen earthquake area
• Fee-free repayments using the profits from selling a previous home Home Equity Mortgage.

Make an appointment

Internet Banking and the ABN AMRO app allow you to see how additional repayments would affect you for each loan part. You can do this before you agree. First of all, enter an additional repayment for one loan part. Then enter another repayment for another loan part. The first additional repayment will appear in your task list. You only need to sign once for multiple additional repayments. Approve both the first and second additional repayments on the same day.

Good to know: the rules on fee-free extra repayments for the Investment Mortgage, the Leven Hypotheek and the Interest-Only Mortgage have changed on 1 December 2025. Making additional repayments on these types of mortgages has become more advantageous. Since this date, you’re not charged a fee if you make additional repayments on a loan (or loan part) for these types of mortgage, even if you repay more than your annual exemption (fee-free margin) in a single year. But you should take into account that the additional repayments must be made from your own money, your savings for example. Your ‘own money’ is taken to mean money that is not borrowed. The bank decides whether or not your money is your own. The rules about fees for additional repayments, as stated in the mortgage terms and conditions, continue to apply for all other types of mortgages.

• Log in to Internet Banking or the ABN AMRO app
• You’ll see an overview of your products in the account overview
• Choose your mortgage
• Choose the option: ‘Additional monthly repayments
• Choose the loan part in Additional monthly repayments, and then choose ‘I want to cancel the additional monthly repayments’.
• Once you’ve sent the order, your additional monthly repayments will be cancelled.