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Mortgages

Care-free living with a mortgage that's right for you

Just transferred to the Netherlands and searching for a home to purchase? We'll assist you along, step by step. Read whatever there is to understand about mortgages and the housing market in the Netherlands. Or speak with one of our English-speaking experts.

Mortgage Calculator

Discover your maximum mortgage and monthly payment

Rate of interest

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My Mortgage

Easily check or change your mortgage online

Buying a home in the Netherlands: detailed

What should you try to find on a viewing? How does putting in an offer on a home work? And what happens when you desire to take out a mortgage? We will guide you through the process.

Reasons for taking out a mortgage from ABN AMRO

Support from A to Z

An individual mortgage consultant: from the early phases of your home hunt until the mortgage has been secured.

25 years' experience

Dutch mortgage market leader and specialist in expats.

Service in English

The entire procedure and mortgage application remain in English, with English-speaking mortgage advisors.

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a mortgage as a service owner.
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Free orientation consult

The very first conference with a mortgage consultant is constantly free. In one hour, they will go over your individual scenario with you, and what you are looking for in a new home and mortgage. Afterwards, you will receive an orientation report with an in-depth mortgage computation.

Frequently asked concerns about mortgages

Can I get a discount rate on my mortgage rates of interest?

Yes, oftentimes you can get a discount rate on your mortgage interest rate with ABN AMRO.

- If you already bank with ABN AMRO and your regular monthly earnings is paid into your ABN AMRO present account, you get approved for a customer discount rate. 'Monthly income' can be earnings from work, your benefits, your pension, income from your own company or income from rental activities. More about the customer discount


- If you are purchasing a home with energy label B, A or higher, you will get a sustainability discount on the mortgage rate of interest. This likewise uses when you refurbish your home to increase the energy label to A or B and sign up the brand-new energy label within 24 months of the start of your fixed-rate duration. Your (new) fixed-rate period will have started on or after 1 August 2021. More about our sustainability discount.
What about tax breaks when purchasing a home?

When buying a home in the Netherlands, your mortgage interest may be tax-deductible. If so, you can deduct the interest you pay on your mortgage from your gross income on your income tax return. Some of the costs and charges you sustain in buying a home are also tax-deductible.

More about tax breaks

What is the Dutch National Mortgage Guarantee?

When purchasing a home, you can opt to get a mortgage that includes the Dutch National Mortgage Guarantee (NHG). This suggests that your mortgage is guaranteed by the Dutch Homeownership Guarantee Fund (Stichting Waarborgfonds Eigen Woningen), so your danger and your interest rate will both be lower.

More about NHG

How do mortgages operate in the Netherlands?

A mortgage is a loan to purchase a home. In the Netherlands, you can obtain as much as 100% of the worth of the residential or commercial property. If you are seeking to buy a home and take out a mortgage for it, initially compute the maximum amount you can obtain on a mortgage. As soon as you have actually done that, you can set up a totally free orientation conference to discuss your options with a mortgage advisor.

If you have already put in an offer on a house and it has actually been accepted, we will establish a second meeting with a mortgage adviser: the mortgage guidance meeting. That is when you select:

- the Budget Mortgage (Budget Hypotheek) or the Home Mortgage (Woning Hypotheek).
- the mortgage type for repayment of your mortgage o a fixed or variable rate of interest.
Can I get a mortgage myself or do I require mortgage suggestions?

This depends upon how much you learn about mortgages and your experience with mortgages.

Do you have a clear image of your financial scenario? And do you know enough about mortgages to be able to approximate your risks and the repercussions of the options you make? If you can address 'yes' to both these questions, you can take the Mortgage Self-Service alternative. While a mortgage coach will then assist you with your mortgage application, you will not get mortgage suggestions. It likewise implies that you will not be charged any suggestions charges, just a dealing with cost. More about Mortgage Self-Service

If you choose you desire some guidance after all on the choices you intend to make, you can constantly change to the Mortgage With Advice choice. Among our mortgage consultants will then assist you with advice on the mortgage type, rate of interest and term, and they will discuss the risks of your options for now and in the future.