Current Dutch mortgage interest rates

Current Dutch mortgage interest rates

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Are you looking for the lowest mortgage interest rate?

Take a look below at the current mortgage interest rates in the Netherlands so you can see the lowest rates available.

Dutch Mortgage interest rates

Contact us to learn more about the different choices you need to make.

Good to know: The mortgage interest rates depend on a couple of things.

  • The bank
  • The mortgage product
  • The mortgage form
  • The fixed period
  • The loan-to-value


LenderFixed for 1 year Fixed for 5 years Fixed for 10 years Fixed for 20 years 
ABN AMRO Budget1.47%1.49%1.50%1.89%
Centraal Beheer Home1.40%1.45%1.50%2.04%
Florius Profijt Three + Three1.44%1.48%1.50%1.86%
Obvion Residential1.31%1.47%1.54%2.01%
Nationale Netherlanden1.45%1.51%1.55%1.84%
The rates are published on 26-03-2020. Interest rates can change daily.
We work with 25 mortgage lenders. This is the top 5 when financing 100% loan-to-value.


Advantages of a longer fixed period
By having a longer fixed period on your interest rate in the Netherlands, you make sure that the interest rate remains the same. You pay the same interest rate every month during the fixed period.

Disadvantages of a longer fixed period
You do not benefit from decreasing interest rates and the longer your fixed period, the higher the interest rate, so the more you pay.

Lowering your interest rate
A fixed interest rate makes sure your interest rate doesn’t change during the fixed period. The interest rate changes with a floating rate. Your interest rate can be lowered during the fixed period if the difference between the value of your home and your mortgage changes. Your mortgage interest rate may end up in a different tariff class, and as a result, you will pay less interest.