Compare Mortgages in Netherlands

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20 live offers compared from 20 providers, from 3.49% voorletter. Updated daily.

What are mortgages in the Netherlands?

A mortgage (hypotheek) is a long-term loan secured against a home, typically repaid over 30 years. The two mainstream Dutch repayment types are the annuïteitenhypotheek (annuity) and the lineaire hypotheek (linear), both of which qualify for mortgage-interest tax relief. Interest-only (aflossingsvrij) portions still exist but no longer qualify for new tax deductions. Rates can be fixed for periods from a few years up to 20 or 30 years.

How the Dutch market works

The Netherlands has an unusually generous system of hypotheekrenteaftrek — tax deduction of mortgage interest in box 1 — which shapes borrowing behaviour, though the deduction is gradually being reduced. Loans up to a limit can be backed by the Nationale Hypotheek Garantie (NHG), a national guarantee that lowers the interest rate and protects borrowers in hardship. Most buyers use an independent adviser (hypotheekadviseur) and compare lenders on rate and conditions.

Benefits

Tax relief — Interest on qualifying annuity and linear mortgages is deductible in box 1.

NHG safety net — The national guarantee cuts the rate and offers protection if you cannot pay.

Long fixed periods — You can lock a rate for up to 20 or 30 years for certainty.

Building equity — Repayment mortgages steadily convert monthly payments into ownership.

Rate-drop rebate — As your loan-to-value falls with repayment, many lenders automatically move you to a cheaper risk band.

How to choose

Decide how long to fix the rate — a longer fix costs more but removes uncertainty. Check whether you qualify for NHG (below its purchase-price cap), which lowers your rate. Compare lenders on the interest rate for your loan-to-value band, early-repayment terms and whether an interest-only portion is allowed. An independent adviser can compare the whole market and calculate your maximum borrowing.

Leading providers in the Netherlands

ABN AMRO, Rabobank and ING are the largest mortgage lenders, offering the full range of products and advice. Specialist and label lenders — Munt Hypotheken, Obvion (part of Rabobank), Florius (part of ABN AMRO) and Aegon Hypotheken — often compete keenly on rate, particularly for lower loan-to-value borrowers. Comparing bank and label rates through an adviser can reveal meaningful savings. Because the lowest rates often go to lower loan-to-value borrowers, the gap between lenders can widen once you factor in your deposit and any NHG guarantee.

What it costs

Dutch mortgage rates currently range roughly from 3.49% to 5.99% depending on the fixed period, loan-to-value and whether the loan carries NHG. NHG-backed and lower loan-to-value loans attract the best rates. Beyond interest, budget for advice and arrangement fees, valuation (taxatie) and notary costs, plus the 2% property transfer tax for most buyers. First-time buyers under an age and price cap may qualify for an exemption from that transfer tax, which lowers upfront costs significantly. A longer fixed period trades a slightly higher rate for years of certainty, so weigh your appetite for risk against monthly budget stability.

Protections and regulation

Mortgage lending and advice are supervised by the Autoriteit Financiële Markten (AFM), which enforces affordability rules and clear cost disclosure, with prudential oversight of lenders by De Nederlandsche Bank (DNB). The NHG scheme adds borrower protection, and disputes with lenders or advisers can be taken to Kifid. Borrowing limits are set relative to income and property value.

Common questions

Is mortgage interest still tax-deductible? Yes for qualifying annuity and linear mortgages, though the maximum deduction rate has been gradually reduced.

What is NHG? The Nationale Hypotheek Garantie — a national guarantee below a price cap that lowers your rate and protects you in hardship.

Do I need a mortgage adviser? Not legally, but most buyers use one to compare the whole market and navigate affordability and documentation.

Mortgages in Netherlands — FAQ