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Invest with BUX Plus or BUX Prime and get a EUR30 benefit. Please note: you could lose your preliminary financial investment.

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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 assist you along, step by step. Read whatever there is to understand about mortgages and the housing market in the Netherlands. Or speak with one of our English-speaking professionals.

Mortgage Calculator

Discover your optimal mortgage and month-to-month payment

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My Mortgage

Easily check or change your mortgage online

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

What should you search for on a watching? How does in an offer on a house work? And what occurs when you want to take out a mortgage? We will assist you through the process.

Reasons for getting a mortgage from ABN AMRO

Support from A to Z

A personal mortgage advisor: from the early phases of your home hunt up until the mortgage has been secured.

25 years' experience

Dutch mortgage market leader and professional in expats.

Service in English

The entire procedure and mortgage application remain in English, with English-speaking mortgage advisors.

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a mortgage as an entrepreneur.
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Free orientation consult

The first meeting with a mortgage adviser is constantly free. In one hour, they will discuss your personal circumstance with you, and what you are looking for in a new home and mortgage. Afterwards, you will receive an orientation report with an in-depth mortgage calculation.

Frequently asked concerns about mortgages

Can I get a discount rate on my mortgage interest rate?

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

- If you currently bank with ABN AMRO and your month-to-month income is paid into your ABN AMRO existing account, you qualify for a customer discount rate. 'Monthly earnings' can be earnings from employment, your advantages, your pension, earnings from your own business or income from rental activities. More about the client discount


- If you are purchasing a home with energy label B, A or greater, you will get a sustainability discount on the mortgage rate of interest. This likewise applies when you refurbish 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 duration. Your (brand-new) fixed-rate duration will have begun on or after 1 August 2021. More about our sustainability discount.
What about tax breaks when purchasing a home?

When buying a home in the Netherlands, your mortgage interest might be tax-deductible. If so, you can deduct the interest you pay on your mortgage from your gross income on your tax return. Some of the costs and fees you sustain in buying 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 get a mortgage that consists of the Dutch National Mortgage Guarantee (NHG). This suggests that your mortgage is guaranteed 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 purchase a home. In the Netherlands, you can borrow approximately 100% of the value of the residential or commercial property. If you are wanting 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 done that, you can arrange a free orientation conference to go over your choices with a mortgage consultant.

If you have currently put in an offer on a home and it has actually been accepted, we will establish a 2nd meeting with a mortgage consultant: the mortgage guidance conference. That is when you select:

- the Budget Mortgage (Budget Hypotheek) or the Home Mortgage (Woning Hypotheek).
- the mortgage type for payment of your mortgage o a fixed or variable rate of interest.
Can I secure a mortgage myself or do I need mortgage guidance?

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

Do you have a clear photo of your monetary circumstance? And do you know enough about mortgages to be able to approximate your risks and the repercussions of the choices you make? If you can respond to 'yes' to both these questions, you can take the Mortgage Self-Service alternative. While a mortgage coach will then help you with your mortgage application, you will not get mortgage advice. It also indicates that you will not be charged any recommendations fees, simply a managing fee. More about Mortgage Self-Service

If you decide you desire some advice after all on the choices you mean to make, you can constantly switch to the Mortgage With Advice alternative. Among our mortgage consultants will then help you with guidance on the mortgage type, rate of interest and term, and they will review the threats of your options for now and in the future.