Savings mortgage (spaarhypotheek)
The savings mortgage resembles the bank savings mortgage, but the saving runs through a life insurance policy instead of a savings account.
English Nederlands
How it works
You pay interest on the full loan plus a premium for an insurance policy. Capital is built inside that policy at the same rate as your mortgage interest and is used to repay the loan at the end of the term.
Points of attention
- The policy often includes life cover.
- This type is no longer newly arranged for mortgages with interest deduction.
- When moving or refinancing, check whether the policy can be continued.
Good to know
Options differ per personal situation and per lender. Always have your situation assessed personally.
Last updated: 27 August 2026