Annuity mortgage (annuïteitenhypotheek)
How does a Dutch annuity mortgage (annuïteitenhypotheek) work, how do gross and net monthly payments develop, and who might it suit?
Read moreBuying a house in the Netherlands, explained
Clear guides in English about Dutch mortgages: mortgage types, mortgage rates, how much you can borrow, NHG and the steps of the buying process — with a dedicated section for expats.
11 articles
Linear mortgage (lineaire hypotheek)
With a linear mortgage (lineaire hypotheek) you repay a fixed amount every month and your monthly costs decrease over time.
Read moreInterest-only mortgage (aflossingsvrije hypotheek)
With an interest-only mortgage (aflossingsvrije hypotheek) you only pay interest. Learn how it works and which risks apply.
Read moreMaximum mortgage (maximale hypotheek) in the Netherlands
Your maximum mortgage in the Netherlands depends on income, obligations and the property value. Learn which factors count.
Read moreMortgage interest rate (hypotheekrente) and fixed-rate periods
How mortgage interest rates work in the Netherlands, what a fixed-rate period means and what to look at when comparing.
Read moreWhat is NHG (Nationale Hypotheek Garantie)?
NHG is a guarantee on your Dutch mortgage. Learn how it works, when it applies and what to pay attention to.
Read moreWhat costs are involved when buying a home in the Netherlands?
Besides the purchase price you pay additional costs when buying a Dutch home. An overview of the possible cost items.
Read moreCan expats use NHG?
NHG is not linked to nationality, but conditions apply. Learn what that means for expats.
Read moreHow does a Dutch mortgage work?
A mortgage is a loan secured by your home. Learn how interest, repayment, fixed-rate periods and monthly costs work in the Netherlands.
Read moreBank savings mortgage (bankspaarhypotheek)
With a bankspaarhypotheek you save on a blocked account to repay the mortgage at the end of the term. Explanation and points of attention.
Read moreSavings mortgage (spaarhypotheek)
With a spaarhypotheek you build capital through an insurance policy to repay the mortgage. This is how it works.
Read moreEspecially for expats
Are you an expat living or working in the Netherlands? Read our information about mortgages for expats.