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Mortgages
Care-free living with a mortgage that's right for you
Just transferred to the Netherlands and searching for a home to buy? We'll help you along, action by action. Read whatever there is to know about mortgages and the housing market in the Netherlands. Or speak with one of our English-speaking experts.
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Buying a home in the Netherlands: step-by-step
What should you look for on a watching? How does putting in an offer on a house work? And what happens when you want to secure a mortgage? We will assist you through the procedure.
Reasons for taking out a mortgage from ABN AMRO
Support from A to Z
An individual mortgage adviser: from the early stages of your home 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 advisors.
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Free orientation speak with
The very first meeting with a mortgage adviser is constantly complimentary. In one hour, they will review your individual scenario with you, and what you are searching for in a new home and mortgage. Afterwards, you will receive an orientation report with an in-depth mortgage estimation.
Frequently asked questions about mortgages
Can I get a discount on my mortgage interest rate?
Yes, oftentimes you can get a discount rate on your mortgage rates of interest with ABN AMRO.
- If you currently bank with ABN AMRO and your monthly earnings is paid into your ABN AMRO bank account, you receive a client discount. 'Monthly earnings' can be income from employment, your benefits, your pension, earnings from your own company or income from rental activities.
More about the customer discount
- If you are buying a home with energy label B, A or higher, you will get a sustainability discount rate on the mortgage rate of interest. This likewise uses 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 (new) fixed-rate period will have begun on or after 1 August 2021.
More about our sustainability discount.
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 tax return. A few of the expenses and costs 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 get a mortgage that consists of the Dutch National Mortgage Guarantee (NHG). This suggests that your mortgage is ensured 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 borrow up to 100% of the value of the residential or commercial property. If you are wanting to purchase a home and get a mortgage for it, initially compute the maximum quantity you can borrow on a mortgage. As quickly as you have actually done that, you can schedule a complimentary orientation conference to discuss your options with a mortgage consultant.
If you have already put in a deal on a house and it has actually been accepted, we will set up a 2nd conference with a mortgage adviser: the mortgage guidance conference. That is when you choose:
- the Budget Mortgage (Budget Hypotheek) or the Home Mortgage (Woning Hypotheek).
- the mortgage type for payment of your mortgage o a repaired or variable interest rate.
Can I get a mortgage myself or do I need mortgage advice?
This depends upon just how much you learn about mortgages and your experience with mortgages.
Do you have a clear photo of your financial scenario? And do you understand enough about mortgages to be able to estimate your risks and the effects of the choices you make? If you can answer 'yes' to both these concerns, 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 implies that you will not be charged any advice costs, simply a handling fee.
More about Mortgage Self-Service
If you decide you desire some advice after all on the choices you plan to make, you can always change to the Mortgage With Advice choice. One of our mortgage consultants will then assist 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.
