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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 buy? We'll help you along, step by action. Read whatever there is to understand about mortgages and the housing market in the Netherlands. Or talk to one of our English-speaking professionals.
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Buying a home in the Netherlands: detailed
What should you search for on a watching? How does putting in an offer on a home work? And what occurs when you want to get a mortgage? We will guide you through the procedure.
Reasons for taking out a mortgage from ABN AMRO
Support from A to Z
An individual mortgage advisor: from the early phases of your house hunt till the mortgage has been protected.
25 years' experience
Dutch mortgage market leader and expert in expats.
Service in English
The whole process and mortgage application remain in English, with English-speaking mortgage consultants.
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to secure a mortgage.
a mortgage as a company owner.
to secure a buy-to-let mortgage.
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a purchaser's agent.
Free orientation consult
The very first meeting with a mortgage consultant is constantly complimentary. In one hour, they will discuss your personal scenario with you, and what you are trying to find in a new home and mortgage. Afterwards, you will receive an orientation report with a detailed mortgage computation.
Frequently asked questions about mortgages
Can I get a discount rate on my mortgage interest rate?
Yes, in most cases you can get a discount rate on your mortgage rates of interest with ABN AMRO.
- If you currently bank with ABN AMRO and your month-to-month earnings is paid into your ABN AMRO current account, you receive a client discount rate. 'Monthly income' can be earnings from work, your benefits, your pension, income from your own organization or earnings from rental activities.
More about the customer discount rate
- If you are buying a home with energy label B, A or greater, you will get a sustainability discount 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 new energy label within 24 months of the start of your fixed-rate period. Your (brand-new) fixed-rate period will have started on or after 1 August 2021.
More about our sustainability discount rate.
What about tax breaks when buying 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 taxable income on your tax return. Some of the expenses and charges you incur in purchasing a home are likewise tax-deductible.
More about tax breaks
What is the Dutch National Mortgage Guarantee?
When purchasing a home, you can choose to secure 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 danger and your rate of interest 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 borrow approximately 100% of the worth of the residential or commercial property. If you are looking to purchase a home and secure a mortgage for it, initially determine the maximum amount you can borrow on a mortgage. As quickly as you have done that, you can arrange a complimentary orientation conference to go over your choices with a mortgage adviser.
If you have actually already put in an offer on a home and it has been accepted, we will establish a 2nd conference with a mortgage consultant: the mortgage recommendations 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 repaired or variable rate of interest.
Can I take out a mortgage myself or do I require mortgage guidance?
This depends on how much you know about mortgages and your experience with mortgages.
Do you have a clear photo of your monetary situation? And do you understand enough about mortgages to be able to approximate your dangers and the consequences of the options 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 assist you with your mortgage application, you will not get mortgage suggestions. It also means that you will not be charged any guidance fees, just a managing fee.
More about Mortgage Self-Service
If you decide you desire some guidance after all on the choices you plan to make, you can constantly change to the Mortgage With Advice option. Among our mortgage consultants will then assist you with suggestions on the mortgage type, rates of interest and term, and they will discuss the risks of your options for now and in the future.
