Mortgage interest rates Netherlands

You can choose from annuity, linear, and interest-only mortgages, each offering unique advantages based on your financial goals.

Yes, expats usually receive the same rates as Dutch citizens, as long as they meet the lender’s requirements.

Generally, you’ll need identification, proof of income, bank statements, and a Dutch residence permit if applicable. Specific requirements may vary by lender.

Yes, we provide full English-language support from start to finish, so you can feel at ease every step of the way.

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.

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.

Yes, expats and English speakers can obtain mortgages for secondary properties, though terms may differ and interest rates may be higher for investment properties.

Most lenders allow borrowing up to five times your gross annual income, though the specific amount depends on your income and monthly obligations.

Yes, the mortgage interest on primary residences is generally tax-deductible, offering potential savings on your taxable income.

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.

Our English-speaking clients rate us 9.8/10. They highlight our clear plain-English guidance, lightning-fast responses, fully independent advice, and a smooth online process. Read the review below, or see more experiences on our reviews page.

What a wonderful service!

I was on the verge of losing my house because a different advisor dropped my case just a couple of days before the notary date. That’s when I started working with Zelf Hypotheek Afsluiten and everything completely turned around.

Since I was already under huge stress from my previous advisor’s incompetence, I needed clear information and reassurance. The team here was calm, patient, and professional. They explained everything in detail, kept me updated, and even managed to fast-track my case so I wouldn’t lose my contract.

Their system works perfectly, it’s straightforward, easy to use, and never once gave me any trouble.

A special shout out to Patrick, who handled my case. He speaks great English, is sincere, and really made me feel supported. For non-Dutch speakers like myself, I can’t recommend their service enough! Even though the system itself is in Dutch, you have nothing to worry because the people behind it make sure you’re completely supported every step of the way.

I can’t thank them enough. You can go through the whole process without a single doubt on your mind with them!

Dilem, sept 2025

In the Netherlands, a mortgage (“hypotheek”) is a long-term loan used to buy a home. You borrow money from a bank or mortgage lender and repay it monthly, usually over a period of 30 years. Your home serves as collateral for the loan.

There are two main types of Dutch mortgages:

• Annuity mortgage (annuïteitenhypotheek) – You pay a fixed monthly amount consisting of interest and repayment. Over time, the interest portion decreases and the repayment portion increases.
• Linear mortgage (lineaire hypotheek) – You repay a fixed amount of the loan each month, plus interest on the remaining balance. Your monthly payments are higher at the start but gradually decrease over time.
  

Most Dutch mortgages have fixed interest periods ranging from 1 to 30 years. During the fixed period, your interest rate remains the same. After that, you can select a new fixed period or switch to another lender.

If you meet certain conditions, you may qualify for mortgage interest tax deduction (hypotheekrenteaftrek), which allows you to deduct mortgage interest from your taxable income. First-time buyers can often borrow up to 100% of the market value of the home, but you must cover purchase costs (such as notary and transfer tax) yourself.

Applying for a mortgage typically involves:

1. Checking your borrowing capacity.
2. Getting mortgage advice or choosing an execution-only option if you know what you’re doing.
3. Receiving a binding mortgage offer.
4. Signing the mortgage deed at the notary.

💡 Tip: Through Zelf Hypotheek Afsluiten you get access to a wide range of mortgage lenders at very competitive rates. Whether you prefer full advice or want to arrange your mortgage independently, you’ll benefit from sharp pricing and a smooth online process. A major advantage for internationals is that English-language support is fully available, making it easy for expats to arrange their mortgage confidently.