Mortgage interest rate (hypotheekrente) and fixed-rate periods
The mortgage interest rate (hypotheekrente) drives a large part of your monthly costs. Besides the percentage itself, the fixed-rate period and the conditions matter.
English Nederlands
Fixed-rate period (rentevaste periode)
This is the period during which your rate is fixed, for example 5, 10 or 20 years. A longer period gives more certainty; a shorter one may offer a lower rate with more uncertainty.
Why rates differ
- The loan-to-value ratio (risk class).
- Whether the mortgage has NHG.
- The chosen fixed-rate period.
- The lender's own pricing and conditions.
Good to know
Options differ per personal situation and per lender. Always have your situation assessed personally.
Last updated: 27 August 2026