Mortgage Interest Rates Netherlands

Compare and Save with English Support

Proud of mortgage poll Consumers' Association: Cheapest Execution Only


Helping Expats and English-speaking Residents
Find the Best Mortgage Rates here.

Looking for a mortgage in the Netherlands? Whether you’re an expat or an English-speaking resident, finding the right interest rate can make a big difference. We offer an up-to-date overview of mortgage rates from leading banks, along with expert support to help you navigate the options. With clear, English-language assistance, you’ll feel confident in choosing the rate that’s right for you.


How it works:
Choose the desired mortgage type, etc. and gain insight into the mortgage interest rates.

Request a free interest rate selection


Free service from an independent Dutch mortgage specialist. Request the free interest rate selection here.

 


Frequently Asked Questions (FAQs)
for Expats and English-speaking Residents


  1. What types of mortgages are available in the Netherlands?
    "You can choose from annuity, linear, and interest-only mortgages, each offering unique advantages based on your financial goals."

  2. Are expats eligible for the same mortgage rates as Dutch citizens?
    "Yes, expats usually receive the same rates as Dutch citizens, as long as they meet the lender’s requirements."

  3. What documents are required to apply for a mortgage as an expat?
    "Generally, you’ll need identification, proof of income, bank statements, and a Dutch residence permit if applicable. Specific requirements may vary by lender."

  4. Is English-language support available throughout the mortgage process?
    "Yes, we provide full English-language support from start to finish, so you can feel at ease every step of the way."

  5. Can I get a mortgage if I have a temporary work contract?
    "Yes, it’s possible. Some lenders may ask for additional assurances, like an employer’s statement or a higher deposit, if you’re on a temporary contract."

  6. What are the typical mortgage interest rates for expats and English-speaking residents in the Netherlands?
    "Rates can vary based on factors such as the mortgage type, loan duration, and market conditions. They generally range from around 3-5% for fixed-rate options."

  7. Is it possible to get a mortgage for a second property or investment?
    "Yes, expats and English speakers can obtain mortgages for secondary properties, though terms may differ and interest rates may be higher for investment properties."

  8. How much can I borrow as an expat or English-speaking resident?
    "Most lenders allow borrowing up to five times your gross annual income, though the specific amount depends on your income and monthly obligations."

  9. Are there tax benefits for expat and English-speaking homeowners?
    "Yes, the mortgage interest on primary residences is generally tax-deductible, offering potential savings on your taxable income."

  10. What’s the best way to compare mortgage rates in the Netherlands as an expat or English speaker?
    "Using a comprehensive comparison tool or working with an advisor who understands expat and English-speaking needs is ideal. We provide up-to-date rates and tailored guidance to help you make the best choice."

Let's go!

Create your free account


Use the button below to create a free account in just 1 minute with access to your personal mortgage dashboard. It’s simple and incredibly convenient:


Quickly see which documents you need to provide, and upload them directly.

You can ask specific questions to our mortgage coach. (They are incredibly friendly and helpful)

Decide for yourself if and when to proceed with your mortgage application. There are no obligations.


Would you like to know more
about how it works?

Ready to explore your mortgage options in the Netherlands? Whether you’re an expat or an English-speaking resident, we’re here to make the process as smooth and transparent as possible. Want to know more about how it works, or wondering if setting up a mortgage is the right step for you? Our team is ready to answer your questions and discuss your situation in detail.

Simply fill out our contact form or create a free account to get started right away—no obligations, just clear answers and personalized guidance. You can also book a free consultation with one of our mortgage specialists, who will take the time to walk through each step and answer all your questions.

Prefer to chat? Feel free to reach out via WhatsApp or give us a call.
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Want to know what
your options are?

We understand. Create a free account and ask all your questions without obligation.

Would you rather talk? Call us on +31 577 408 000 or schedule an appointment to visit us on location..


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