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Mortgages
Care-free living with a mortgage that's right for you
Just moved to the Netherlands and trying to find a home to buy? We'll assist you along, action by action. Read whatever there is to learn about mortgages and the housing market in the Netherlands. Or talk with one of our English-speaking experts.
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Buying a home in the Netherlands: detailed
What should you try to find on a watching? How does putting in an offer on a home work? And what happens when you desire to take out a mortgage? We will direct you through the procedure.
Reasons for getting a mortgage from ABN AMRO
Support from A to Z
A personal mortgage adviser: from the early phases of your house hunt up until the mortgage has been protected.
25 years' experience
Dutch mortgage market leader and professional in expats.
Service in English
The entire process and mortgage application remain in English, with English-speaking mortgage consultants.
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Free orientation consult
The very first conference with a mortgage consultant is always totally free. In one hour, they will discuss your personal circumstance with you, and what you are trying to find in a brand-new home and mortgage. Afterwards, you will get an orientation report with a comprehensive mortgage computation.
Frequently asked questions about mortgages
Can I get a discount on my mortgage interest rate?
Yes, in lots of cases you can get a discount on your mortgage rates of interest with ABN AMRO.
- If you currently bank with ABN AMRO and your month-to-month income is paid into your ABN AMRO current account, you qualify for a client discount. 'Monthly earnings' can be earnings from employment, your benefits, your pension, earnings from your own company or earnings from rental activities.
More about the client discount rate
- If you are buying a home with energy label B, A or greater, you will get a sustainability discount rate on the mortgage interest rate. This also applies when you remodel 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 begun 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. A few of the costs and fees you incur in purchasing a home are also tax-deductible.
More about tax breaks
What is the Dutch National Mortgage Guarantee?
When buying a home, you can choose to secure a mortgage that consists of the Dutch National Mortgage Guarantee (NHG). This implies that your mortgage is guaranteed by the Dutch Homeownership Guarantee Fund (Stichting Waarborgfonds Eigen Woningen), so your threat and your interest rate will both be lower.
More about NHG
How do mortgages work in the Netherlands?
A mortgage is a loan to buy a home. In the Netherlands, you can borrow as much as 100% of the worth of the residential or commercial property. If you are aiming to buy a home and take out a mortgage for it, first calculate the optimum amount you can borrow on a mortgage. As quickly as you have actually done that, you can schedule a complimentary orientation meeting to review your alternatives with a mortgage adviser.
If you have actually already put in an offer on a home and it has actually been accepted, we will set up a 2nd conference with a mortgage consultant: the mortgage advice conference. 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 repaired or variable rate of interest.
Can I get a mortgage myself or do I need mortgage advice?
This depends upon just how much you learn about mortgages and your experience with mortgages.
Do you have a clear image of your monetary situation? And do you understand enough about mortgages to be able to approximate your dangers and the repercussions of the choices you make? If you can answer 'yes' to both these questions, you can take the Mortgage Self-Service choice. While a mortgage coach will then help you with your mortgage application, you will not get mortgage guidance. It also means that you will not be charged any guidance fees, simply a handling fee.
More about Mortgage Self-Service
If you decide you want some advice after all on the options you plan to make, you can always switch to the Mortgage With Advice option. Among our mortgage advisers will then assist you with suggestions on the mortgage type, interest rate and term, and they will review the dangers of your options in the meantime and in the future.
