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Mortgages
Care-free living with a mortgage that's right for you
Just moved to the Netherlands and searching for 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 talk to one of our English-speaking experts.
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Buying a home in the Netherlands: detailed
What should you look for on a viewing? How does putting in a deal on a house work? And what happens when you desire to secure a mortgage? We will direct you through the procedure.
Reasons for taking out a mortgage from ABN AMRO
Support from A to Z
An individual mortgage advisor: from the early stages of your house hunt up until the mortgage has been protected.
25 years' experience
Dutch mortgage market leader and specialist in expats.
Service in English
The entire procedure and mortgage application are in English, with English-speaking mortgage consultants.
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Free orientation consult
The first conference with a mortgage advisor is always totally free. In one hour, they will discuss your individual scenario with you, and what you are searching for in a brand-new home and mortgage. Afterwards, you will receive an orientation report with a detailed mortgage calculation.
Frequently asked questions about mortgages
Can I get a discount rate on my mortgage rate of interest?
Yes, in a lot of cases you can get a discount rate on your mortgage interest rate with ABN AMRO.
- If you currently bank with ABN AMRO and your monthly income is paid into your ABN AMRO existing account, you get approved for a customer discount rate. 'Monthly earnings' can be earnings from work, your benefits, your pension, earnings from your own organization or income from rental activities.
More about the client discount
- If you are purchasing a home with energy label B, A or higher, you will get a sustainability discount on the mortgage interest rate. This also uses when you remodel 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 duration. Your (brand-new) fixed-rate period will have begun 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 may be tax-deductible. If so, you can deduct the interest you pay on your mortgage from your gross income on your income tax return. Some of the expenses and costs you sustain in purchasing a home are likewise tax-deductible.
More about tax breaks
What is the Dutch National Mortgage Guarantee?
When buying a home, you can opt to secure 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 operate in the Netherlands?
A mortgage is a loan to buy a home. In the Netherlands, you can obtain approximately 100% of the value of the residential or commercial property. If you are aiming 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 actually done that, you can set up a totally free orientation meeting to discuss your options with a mortgage consultant.
If you have actually already put in an offer on a house and it has actually been accepted, we will establish a second conference 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 payment of your mortgage o a fixed or variable interest rate.
Can I secure a mortgage myself or do I need mortgage advice?
This depends on how much you learn about mortgages and your experience with mortgages.
Do you have a clear image of your monetary scenario? And do you know enough about mortgages to be able to approximate your dangers and the consequences of the options you make? If you can address 'yes' to both these questions, you can take the Mortgage Self-Service choice. While a mortgage coach will then help you with your mortgage application, you will not get mortgage suggestions. It likewise suggests that you will not be charged any advice charges, simply a handling charge.
More about Mortgage Self-Service
If you choose you want some suggestions after all on the options you mean to make, you can constantly change to the Mortgage With Advice option. One of our mortgage consultants will then help you with recommendations on the mortgage type, interest rate and term, and they will go over the dangers of your choices for now and in the future.
