Compare mortgage rates
See current rates from 35+ Dutch banks and lenders. Use filters to find the best rate for your situation and instantly calculate your gross monthly costs.
2026 limit: €470,000 existing · €498,200 with energy measures. NHG gives 0.2–0.5% lower rate on average and protects against forced sale losses. One-time premium: 0.6%.
What you need to know
🛡️ NHG
With NHG you pay 0.2–0.5% less on average. The 2026 limit is €470,000 for existing homes. The one-time premium is 0.6% of the mortgage amount.
⚡ Energy label
A green energy label (A+, A) often gives a rate discount of 0.1–0.4%. Label C through G counts as 'low' and typically receives no discount.
📅 Fixed-rate period
The longer you fix the rate, the higher it typically is — but you gain more certainty. 10-year fixed is the most popular choice in the Netherlands.
🏗️ New construction
New builds typically have label A or higher. Some lenders offer extra discounts. The construction deposit can affect the effective rate.
📊 Annuity vs. linear
Annuity: fixed monthly payment, but you pay a lot of interest early on. Linear: decreasing payments, but higher at first. Total interest costs are lower with linear.
💡 LTV
LTV (Loan-to-Value) is the ratio of mortgage to home value. At 80% LTV you borrow 80% of the value. The lower the LTV, the lower the rate tends to be.
FAQ
Frequently asked questions about mortgage rates
Everything you want to know about mortgage rates in the Netherlands.
The choice depends on your risk appetite and interest rate expectations:
- Short period (1–5 yr): lower rate, but uncertainty afterwards.
- 10-year fixed: most popular in the Netherlands. Good balance between security and cost.
- 20–30-year fixed: maximum security but higher rate. Suitable if you want long-term certainty.
Expecting rates to fall? A shorter period may be interesting. Want fixed costs? Choose a longer period.
Bij een annuity mortgage you pay the same amount every month. At first it's mostly interest; later more and more is principal repayment.
Bij een linear mortgage you pay a fixed principal amount plus decreasing interest each month. The monthly payment is higher at first, but you pay less total interest.
Total interest costs over 30 years are 15–25% lower with a linear mortgage than with an annuity.
NHG staat voor Nationale Hypotheek Garantie (National Mortgage Guarantee). It protects you if you are forced to sell your home with remaining debt.
- 2026 limit: €470,000 (existing homes) or €498,200 with energy-saving measures.
- One-time premium: 0.6% of the mortgage amount.
- Rate benefit: average 0.2–0.5% lower than without NHG.
The premium is usually recouped through the lower rate within 2–4 years.
Veel aanbieders hanteren een green rate discount: with an energy label A or better you can expect a lower rate:
- A+ or higher: discount of 0.2–0.4% compared to label C or lower.
- Label A: discount of 0.1–0.3%.
- Label C through G: no discount, standard rate.
The difference can add up to tens of thousands of euros over 30 years. Consider energy improvements to raise your label.
Mortgage rates can change daily in principle. Lenders adjust their rates based on:
- De capital market rate (especially the 10-year swap rate).
- Het rentebeleid van de European Central Bank (ECB).
- The lender's own competitive position and policy.
Rates on this page are updated daily. After a quote, the rate is typically valid for 3–6 months.
Gross monthly costs are the full monthly payment: interest + repayment. This is the amount you pay to the bank.
Net monthly costs are gross costs minus the tax benefit (mortgage interest deduction). The deduction depends on your income and tax bracket.
This page shows gross monthly costs — net costs are lower depending on your situation.
Your maximum mortgage depends on:
- Your income: rule of thumb is roughly 4–5× your gross annual salary.
- Home value: you can borrow a maximum of 100% of market value (LTV ≤ 100%).
- Existing debts: current loans reduce your borrowing capacity.
An independent mortgage advisor can calculate your exact maximum mortgage based on your personal situation.