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Mortgages

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

Just relocated to the Netherlands and trying to find a home to purchase? We'll help you along, action by action. Read whatever there is to understand about mortgages and the housing market in the Netherlands. Or speak with one of our English-speaking specialists.
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My Mortgage

Easily examine or change your mortgage online

Buying a home in the Netherlands: step-by-step

What should you search for on a viewing? How does putting in a deal on a house work? And what happens when you wish 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 consultant: from the early phases of your home hunt up until the mortgage has actually been protected.

25 years' experience

market leader and expert 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 seek advice from

The first meeting with a mortgage consultant is always totally free. In one hour, they will go over your personal circumstance with you, and what you are searching for in a brand-new home and mortgage. Afterwards, you will receive an orientation report with an in-depth mortgage computation.

Frequently asked questions about mortgages

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

Yes, in a lot of cases you can get a discount rate on your mortgage rate of interest with ABN AMRO.

- If you already bank with ABN AMRO and your regular monthly earnings is paid into your ABN AMRO present account, you qualify for a client discount rate. 'Monthly income' can be income from work, your advantages, your pension, income from your own company or income 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 rates of interest. This likewise uses 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 period. Your (new) fixed-rate period will have started on or after 1 August 2021. More about our sustainability discount.
What about tax breaks when buying a home?

When buying a home in the Netherlands, your mortgage interest might be tax-deductible. If so, you can subtract the interest you pay on your mortgage from your taxable earnings on your tax return. A few of the expenses and charges you sustain in purchasing a home are likewise tax-deductible.

More about tax breaks

What is the Dutch National Mortgage Guarantee?

When buying a home, you can choose to get a mortgage that includes 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 rates of interest 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 up to 100% of the worth of the residential or commercial property. If you are seeking to buy a home and get a mortgage for it, initially determine the optimum amount you can borrow on a mortgage. As quickly as you have done that, you can set up a free orientation meeting to go over your choices with a mortgage advisor.

If you have actually already put in a deal on a house and it has been accepted, we will establish a 2nd conference with a mortgage adviser: the mortgage guidance 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 suggestions?

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

Do you have a clear image of your financial circumstance? And do you understand enough about mortgages to be able to estimate your threats and the effects of the options you make? If you can respond to 'yes' to both these questions, you can take the Mortgage Self-Service choice. While a mortgage coach will then assist you with your mortgage application, you will not get mortgage guidance. It likewise suggests that you will not be charged any guidance charges, just a handling cost. More about Mortgage Self-Service

If you choose you desire some advice after all on the choices you intend to make, you can constantly change to the Mortgage With Advice option. One of our mortgage advisers will then help you with recommendations on the mortgage type, interest rate and term, and they will go over the dangers of your options for now and in the future.