I desire to ...

Spend for my own
Invest with assistance
Compare funds
Start investing
Find out more about investing
Place an order
All insurances

Car insurance coverage
Home contents insurance
Home insurance coverage
Personal liability insurance
Annual travel insurance coverage
Short-term travel insurance coverage
Legal expenses insurance
Student insurance
All about ...

Home insurances
Travel insurance coverages
Submitting a claim
Changing your insurance coverage
Cancelling your insurance
Pension

Build up pension
Pension savings
Pension investment
Pay pension (in Dutch).
Develop in 3 actions

Pension check.
Calculate annual margin.
Open pension account.
Get a EUR30 bonus

Invest with BUX Plus or BUX Prime and get a EUR30 benefit. Please note: you might lose your preliminary investment.

Specially for

Expats.
Students.
Minors.
Preferred Banking.
Athletes & entertainers.
Financial themes.
Expats

Savings account.
Children's account.
Charge card.
Mortgages.
Insurances.
Investments.
Loans.
Internet Banking.
Moving to the Netherlands.
Tips.
Events.
International Clients Desk.
Relocation consultants.
All products for expats.
Students

Checking account for trainees.
Medical Student Package.
Student Charge Card.
Insurance for students.
All products for trainees.
Electronic banking.
Making payments.
Block your debit card.
Foreign transfers.
Tips to save money.
Minors

Children's checking account.
KidsFuture Savings Account.
Tips for expat moms and dads.
Gimi app.
Preferred Banking

About Preferred Banking.
Contact us.
Athletes & entertainers

Top professional athletes & performers.
Contact us.
Financial styles

Life after graduation.
Relocating together.
Sustainability.
Bereavement.
Better grip on your financial resources.
All financial styles.
App and Banking

ABN AMRO app.
Internet Banking.
Help with electronic banking.
More apps.
Secure banking.
ABN AMRO app

About the ABN AMRO app.
Activate the ABN AMRO app.
Log in with the ABN AMRO app.
Help using the ABN AMRO app.
Secure banking with the app.
Internet Banking

About Internet Banking.
Log in to Internet Banking.
What is where?
Help utilizing Internet Banking.
E.dentifier.
Assist with electronic banking

Help utilizing the ABN AMRO app.
Help utilizing Internet Banking.
Accessibility.
Our apps

Tikkie.
Secure banking

Recognising scams.
Reporting fraud.
Preventing fraud.
Fraud and secure banking.
Menu

Home.
Products.
Specially for.
Service and Contact.
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 assist you along, step by action. Read everything there is to understand about mortgages and the housing market in the Netherlands. Or speak with among our English-speaking professionals.

Mortgage Calculator

Learn your optimal mortgage and regular monthly payment

Interest Rates

Check the present mortgage rates of interest

My Mortgage

Easily check or alter your mortgage online

Buying a home in the Netherlands: detailed

What should you look for on a watching? How does putting in a deal on a house work? And what takes place when you want to secure a mortgage? We will direct you through the process.

Reasons for getting a mortgage from ABN AMRO

Support from A to Z

An individual mortgage adviser: from the early phases of your home hunt until the mortgage has been protected.

25 years' experience

Dutch mortgage market leader and professional in expats.

Service in English

The entire procedure and mortgage application remain in English, with English-speaking mortgage consultants.

I want ...

to take out a mortgage.
a mortgage as an entrepreneur.
to secure a buy-to-let mortgage.
a mortgage in a foreign currency.
I'm trying to find ...

info about sustainable living.
more info about mortgage types.
useful webinars.
the most recent mortgage news.
a buyer's representative.
Free orientation consult

The first meeting with a mortgage adviser is constantly free. In one hour, they will discuss your individual circumstance with you, and what you are looking for in a new home and mortgage. Afterwards, you will get an orientation report with an in-depth mortgage calculation.

Frequently asked concerns about mortgages

Can I get a discount on my mortgage rates of interest?

Yes, in most cases you can get a discount on your mortgage rates of interest with ABN AMRO.

- If you already bank with ABN AMRO and your month-to-month income is paid into your ABN AMRO current account, you get approved for a customer discount rate. 'Monthly income' can be earnings from employment, your advantages, your pension, income from your own company or earnings from rental activities. More about the client discount rate


- If you are buying a home with energy label B, A or higher, you will get a sustainability discount on the mortgage rates of interest. This likewise uses when you renovate 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 duration will have begun on or after 1 August 2021. More about our sustainability discount.
What about tax breaks when purchasing a home?

When buying a home in the Netherlands, your mortgage interest might be tax-deductible. If so, you can deduct the interest you pay on your mortgage from your taxable income on your tax return. A few of the expenses and charges you incur in purchasing a home are also tax-deductible.

More about tax breaks

What is the Dutch National Mortgage Guarantee?

When buying a home, you can decide to secure a mortgage that consists of the Dutch National Mortgage Guarantee (NHG). This implies that your mortgage is ensured by the Dutch Homeownership Guarantee Fund (Stichting Waarborgfonds Eigen Woningen), so your threat and your rates of interest will both be lower.

More about NHG

How do mortgages work in the Netherlands?

A mortgage is a loan to buy a home. In the Netherlands, you can obtain as much as 100% of the worth of the residential or commercial property. If you are looking to purchase a home and secure a mortgage for it, first calculate the optimum quantity you can obtain on a mortgage. As quickly as you have actually done that, you can arrange a complimentary orientation conference to review your options with a mortgage adviser.

If you have currently put in an offer on a house and it has actually been accepted, we will establish a 2nd conference with a mortgage advisor: the mortgage recommendations meeting. That is when you pick:

- the Budget Mortgage (Budget Hypotheek) or the Home Mortgage (Woning Hypotheek).
- the mortgage type for repayment of your mortgage o a repaired or variable interest rate.
Can I secure 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 picture of your monetary circumstance? And do you know enough about mortgages to be able to estimate your risks and the consequences of the options you make? If you can address 'yes' to both these questions, you can take the Mortgage Self-Service alternative. While a mortgage coach will then help you with your mortgage application, you will not get mortgage suggestions. It also implies that you will not be charged any advice costs, just a handling fee. More about Mortgage Self-Service

If you choose you desire some suggestions after all on the options you plan to make, you can always change to the Mortgage With Advice alternative. Among our mortgage consultants will then assist you with suggestions on the mortgage type, interest rate and term, and they will go over the threats of your options in the meantime and in the future.