Dutch mortgage rates

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Dutch mortgage rates

Each mortgage lender has his own mortgage rates. How hight the mortgage rate will be depends on many factors.
If you want to see the current Dutch mortgages rates, click here.
Dutch mortgage rates depend on

Value-to-loan ratio

This is the ratio between the value of the house and the value of the mortgage loan.
In order to cover the risk, the interest margin required by the mortgage lender increases with the rise of the percentage of that ratio.

The maximum mortage in the Netherlands is 100% of the market value of a house.
Applying for a mortgage of 100% will give you the highest interest rate.
The lower the mortgage will be in relation to the market value, the lower the interest rate will be.

Fixed rate term

The period for which the mortgages rates are fixed.
The longer you decide to have the mortgage rates fixed, the higher they will be.

If you know how long your stay in the Netherlands will be makes it easier to decide for which period you want to fix the mortgage rate.
Most expats choose a fixed mortgage rate between 1 and 10 years.
You can see this in the table below.

Most popular Dutch mortgages rates among expats

Fixed period National Mortgage Guarantee 80% market value 100% market value
1 year 1,00% 1,15% 1,60%
5 years 1,20% 1,40% 1,70%
7 years 1,50% 1,70% 2,00%
10 years 1,75% 1,85% 2,25%


National Mortgage Guarantee

Is National Mortgage Guarantee applicable?
The value-to-loan ratio is important for the risk storage on a mortgage rate.

The National Mortgage Guarantee reduces the risks on the Dutch mortgage market by insuring banks against payment defaults.
If National Mortgage Guarantee is applicable, you will get the lowest mortgage rates, because the risk of a future debt is
almost zero for the mortgage lender.

You can see this in the risk table.

Risk table (average of mortgage providers)

Mortgage / House value National Mortgage Guarantee 60% market value 80% market value 90% market value 100% market value
Risk Storage 0% 0,1% 0,2% 0,4% 0,5%


Expats Amsterdam is an expert in mortgages for expats. Let us help you in choosing
which mortgage is best for you and where you can get the lowest mortgages rates.

Feel free to contact us. The first meeting is always free of charge.