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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 step. Read whatever there is to understand about mortgages and the housing market in the Netherlands. Or speak to one of our English-speaking experts.
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Easily examine or alter your mortgage online
Buying a home in the Netherlands: step-by-step
What should you look for on a watching? How does putting in an offer on a home work? And what happens when you desire to get a mortgage? We will direct you through the process.
Reasons for getting a mortgage from ABN AMRO
Support from A to Z
An individual mortgage adviser: from the early phases of your house hunt until the mortgage has actually been protected.
25 years' experience
Dutch mortgage market leader and expert in expats.
Service in English
The entire procedure and mortgage application remain in English, with English-speaking mortgage advisors.
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to secure a mortgage.
a mortgage as an entrepreneur.
to take out a buy-to-let mortgage.
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Free orientation speak with
The first meeting with a mortgage advisor is always free. In one hour, they will review your personal scenario with you, and what you are looking for in a new home and mortgage. Afterwards, you will get an orientation report with a detailed mortgage computation.
Frequently asked concerns about mortgages
Can I get a discount rate on my mortgage interest rate?
Yes, oftentimes you can get a discount on your mortgage interest rate with ABN AMRO.
- If you already bank with ABN AMRO and your monthly income is paid into your ABN AMRO current account, you get approved for a customer discount rate. 'Monthly earnings' can be income from work, your advantages, your pension, earnings from your own company or income from rental activities.
More about the client discount rate
- If you are purchasing a home with energy label B, A or higher, you will get a sustainability discount on the mortgage interest rate. This also applies when you renovate your home to increase the energy label to A or B and register the new energy label within 24 months of the start of your fixed-rate duration. Your (brand-new) fixed-rate period will have begun on or after 1 August 2021.
More about our sustainability discount.
What about tax breaks when buying a home?
When purchasing a home in the Netherlands, your mortgage interest may be tax-deductible. If so, you can subtract the interest you pay on your mortgage from your taxable income on your income tax return. Some of the expenses and charges you incur in buying a home are likewise tax-deductible.
More about tax breaks
What is the Dutch National Mortgage Guarantee?
When buying a home, you can opt to take out a mortgage that includes the Dutch National Mortgage Guarantee (NHG). This implies that your mortgage is ensured by the Dutch Homeownership Guarantee Fund (Stichting Waarborgfonds Eigen Woningen), so your threat and your rate 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 approximately 100% of the value of the residential or commercial property. If you are looking to buy a home and secure a mortgage for it, first compute the optimum amount you can obtain on a mortgage. As quickly as you have actually done that, you can schedule a free orientation conference to discuss your alternatives with a mortgage consultant.
If you have actually already put in a deal on a home and it has actually been accepted, we will set up a second meeting with a mortgage adviser: the mortgage recommendations meeting. That is when you pick:
- the Budget Mortgage (Budget Hypotheek) or the Home Mortgage (Woning Hypotheek).
- the mortgage type for repayment of your mortgage o a fixed or variable rate of interest.
Can I secure a mortgage myself or do I require mortgage suggestions?
This depends upon just how much you understand 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 risks and the effects of the options you make? If you can address 'yes' to both these questions, you can take the Mortgage Self-Service option. While a mortgage coach will then assist you with your mortgage application, you will not get mortgage advice. It also indicates that you will not be charged any suggestions charges, just a dealing with cost.
More about Mortgage Self-Service
If you choose you desire some suggestions after all on the choices you intend to make, you can constantly change to the Mortgage With Advice option. One of our mortgage consultants will then assist you with advice on the mortgage type, interest rate and term, and they will go over the risks of your choices in the meantime and in the future.
