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Invest with BUX Plus or BUX Prime and get a EUR30 reward. Please note: you might lose your initial 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 purchase? We'll assist you along, action by action. Read everything there is to understand about mortgages and the housing market in the Netherlands. Or speak with one of our English-speaking specialists.

Mortgage Calculator

Learn your maximum mortgage and regular monthly payment

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My Mortgage

Easily inspect or alter your mortgage online

Buying a home in the Netherlands: detailed

What should you try to find on a viewing? How does putting in a deal on a house work? And what occurs when you wish to secure a mortgage? We will guide you through the process.

Reasons for getting a mortgage from ABN AMRO

Support from A to Z

An individual mortgage consultant: from the early phases of your home hunt till the mortgage has actually been secured.

25 years' experience

Dutch mortgage market leader and specialist in expats.

Service in English

The whole procedure and mortgage application are in English, with English-speaking mortgage advisers.

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a mortgage as a company owner.
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Free orientation speak with

The first meeting with a mortgage consultant is always complimentary. In one hour, they will go over your personal situation with you, and what you are searching for in a new home and mortgage. Afterwards, you will get an orientation report with a comprehensive mortgage computation.

Frequently asked concerns about mortgages

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

Yes, in numerous cases you can get a discount rate on your mortgage interest rate with ABN AMRO.

- If you already bank with ABN AMRO and your income is paid into your ABN AMRO present account, you receive a customer discount rate. 'Monthly income' can be income from employment, your advantages, your pension, earnings from your own service or earnings from rental activities. More about the customer discount

- If you are purchasing a home with energy label B, A or higher, you will get a sustainability discount rate 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 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 purchasing 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 income tax return. A few of the costs and charges 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 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 danger and your rates 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 obtain approximately 100% of the worth of the residential or commercial property. If you are wanting to buy a home and secure a mortgage for it, initially calculate the maximum quantity you can obtain on a mortgage. As quickly as you have done that, you can schedule a free orientation conference to discuss your choices with a mortgage consultant.

If you have currently put in a deal on a house and it has been accepted, we will set up a 2nd 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 repaired or variable interest rate.
Can I get a mortgage myself or do I require mortgage suggestions?

This depends on just how much you learn about mortgages and your experience with mortgages.

Do you have a clear photo of your monetary scenario? And do you understand enough about mortgages to be able to estimate your threats and the effects of the choices you make? If you can respond to '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 means that you will not be charged any suggestions fees, just a handling fee. More about Mortgage Self-Service

If you choose you desire some advice after all on the choices you intend to make, you can always change to the Mortgage With Advice option. One of our mortgage consultants will then help you with guidance on the mortgage type, rates of interest and term, and they will discuss the risks of your options for now and in the future.