ING Hypotheken NL Mortgages ING Hypotheken NL
3.49% initial
- Interest Rate: 3.49%
- Max LTV: Up to 100%
- Fixed period: 10 years
- Key feature: NHG available
Compare Mortgages in Netherlands
Compare the total cost over the initial fixed period including all fees, not just the headline rate — a lower rate with high arrangement fees often costs more over two years.
Compare the top 20 Dutch mortgages providers, with rates from 3.49% initial. Data current as of 23 October 2026 and updated daily from the Giraffy database.
Live offers
20 live offers compared from 20 providers, from 3.49% initial. Updated daily.
ABN AMRO Hypotheken Mortgages ABN AMRO Hypotheken
3.79% initial
- Interest Rate: 3.79%
- Max LTV: Up to 100%
- Fixed period: 10 years
- Key feature: NHG available
Florius Hypotheek 10yr Florius
€3.89
- Initial rate: 3.89%
- Fixed period: 10 years
- Max LTV: 100%
- Key feature: ABN AMRO subsidiary, competitive rates, fast process
ABN AMRO Hypotheek 10yr ABN AMRO
€3.95
- Initial rate: 3.95%
- Fixed period: 10 years
- Max LTV: 100%
- Key feature: NHG available, 10% free overpayment annually
Munt Hypotheken 10yr Munt Hypotheken
€3.95
- Initial rate: 3.95%
- Fixed period: 10 years
- Max LTV: 106%
- Key feature: Up to 106% LTV for energy improvements
ING Hypotheek 10yr ING
€3.99
- Initial rate: 3.99%
- Fixed period: 10 years
- Max LTV: 100%
- Key feature: Online application, fast approval, free advice
Rabobank Hypotheek Mortgages Rabobank Hypotheek
3.99% initial
- Interest Rate: 3.99%
- Max LTV: Up to 100%
- Fixed period: 10 years
- Key feature: NHG available
Rabobank Hypotheek 10yr Rabobank
€4.05
- Initial rate: 4.05%
- Fixed period: 10 years
- Max LTV: 100%
- Key feature: Large lender, face-to-face advice, NHG available
Obvion Hypotheek 10yr Obvion
€4.10
- Initial rate: 4.10%
- Fixed period: 10 years
- Max LTV: 100%
- Key feature: Rabobank subsidiary, flexible repayment options
Aegon Hypotheken Mortgages Aegon Hypotheken
4.25% initial
- Interest Rate: 4.25%
- Max LTV: Up to 100%
- Fixed period: 10 years
- Key feature: NHG available
Nationale Nederlanden Hypotheek Mortgages Nationale Nederlanden Hypotheek
4.49% initial
- Interest Rate: 4.49%
- Max LTV: Up to 100%
- Fixed period: 10 years
- Key feature: NHG available
NN Hypotheken Mortgages NN Hypotheken
4.59% initial
- Interest Rate: 4.59%
- Max LTV: Up to 100%
- Fixed period: 10 years
- Key feature: NHG available
ASR Hypotheken NL Mortgages ASR Hypotheken NL
4.79% initial
- Interest Rate: 4.79%
- Max LTV: Up to 100%
- Fixed period: 10 years
- Key feature: NHG available
Centraal Beheer Hypotheek Mortgages Centraal Beheer Hypotheek
4.99% initial
- Interest Rate: 4.99%
- Max LTV: Up to 100%
- Fixed period: 10 years
- Key feature: NHG available
Florius Hypotheken Mortgages Florius Hypotheken
5.09% initial
- Interest Rate: 5.09%
- Max LTV: Up to 100%
- Fixed period: 10 years
- Key feature: NHG available
Viisi Hypotheken Mortgages Viisi Hypotheken
5.25% initial
- Interest Rate: 5.25%
- Max LTV: Up to 100%
- Fixed period: 10 years
- Key feature: NHG available
Tulp Hypotheken Mortgages Tulp Hypotheken
5.49% initial
- Interest Rate: 5.49%
- Max LTV: Up to 100%
- Fixed period: 10 years
- Key feature: NHG available
Lloyds Bank Hypotheken Mortgages Lloyds Bank Hypotheken
5.59% initial
- Interest Rate: 5.59%
- Max LTV: Up to 100%
- Fixed period: 10 years
- Key feature: NHG available
Munt Hypotheken NL Mortgages Munt Hypotheken NL
5.79% initial
- Interest Rate: 5.79%
- Max LTV: Up to 100%
- Fixed period: 10 years
- Key feature: NHG available
van Bruggen Hypotheken Mortgages van Bruggen Hypotheken
5.99% initial
- Interest Rate: 5.99%
- Max LTV: Up to 100%
- Fixed period: 10 years
- Key feature: NHG available
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.
The cheapest Mortgages in Netherlands is €3.89 from Florius.
Mortgages in Netherlands — FAQ
What mortgage rate can I get in Netherlands right now?
Giraffy tracks 20 mortgage products across 20 lenders in Netherlands. The lowest tracked initial rate is currently €3.89. Use the sort and filter controls to compare fixed versus variable rates and initial deal lengths.
What is the difference between a fixed-rate and a variable-rate mortgage?
A fixed-rate mortgage locks your interest rate for a set period — typically 2, 5, or 10 years — giving payment certainty. A variable rate moves with the central bank benchmark rate set by De Nederlandsche Bank (DNB). Fixed rates suit those who want stability; variable suits those who expect rates to fall.
How much can I borrow with a mortgage?
Most lenders apply an income multiple — typically 4–5× your gross annual income for a conventional mortgage. Affordability assessments also factor in outgoings, existing debts, and the property's loan-to-value (LTV) ratio. A mortgage adviser or broker can run a full affordability assessment for free.
What is LTV (loan-to-value) and why does it matter?
Loan-to-Value (LTV) is the mortgage amount as a percentage of the property's value. A 90% LTV means you're borrowing 90% and putting down 10% as a deposit. Lower LTV means less risk for the lender — you'll typically be offered a lower interest rate with a deposit of 20–25% or more.
How long does mortgage approval take?
An indicative approval can usually be obtained the same day online. Full mortgage approval — after property valuation and underwriting — typically takes 2–6 weeks. Having all your documents ready (pay stubs, bank statements, ID) speeds up the process significantly.
Are there Islamic home-finance products available in Netherlands?
Sharia-compliant home-finance products structure the transaction without interest, typically through Murabaha (cost-plus financing) or Ijara (lease-to-own) arrangements. Check with individual lenders for availability in your market.
What fees are charged to set up a mortgage?
Lenders often charge arrangement, origination, or application fees to set up a mortgage — amounts vary by lender and market. You can usually add them to the loan, but you'll pay interest on them for the full term. For large loans, a higher-fee/lower-rate deal may be cheaper overall — compare total cost over the initial fixed period.