How a Dutch mortgage differs from mortgages abroad
If you have taken out a mortgage in another country, several elements of the Dutch system will look unfamiliar.
English Nederlands
Typical Dutch features
- You can usually borrow up to 100% of the market value; a large down payment is not required.
- Interest can be fixed for long periods, up to 20 or 30 years.
- Interest on new mortgages is deductible only if you repay the loan within 30 years.
- NHG can offer a lower rate and a safety net in certain situations.
Points of attention
Buyer's costs are paid from your own money, and the offer process can be competitive. Your borrowing capacity is calculated with national standards rather than by an individual banker.
Good to know
Options differ per personal situation and per lender. Always have your situation assessed personally.
Last updated: 27 August 2026