Compare mortgage rates in the Netherlands
There is a lot to consider when buying a house. One of the most important things to carefully consider is how you will arrange financing. After all, the right choice can make a big difference for your financial future. Therefore, comparing mortgage rates is an indispensable step in the process.
At OHAO, you can easily compare the current interest rates of over thirty lenders. The overview on this page is updated daily.
Do you want more information about mortgage rates in the Netherlands? Our mortgage advisors are happy to provide you with personal advice. Schedule a free consultation call with one of our experts today!
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Type of mortgage
The way you pay off your mortgage affects the interest rate. The best-known mortgage types are the annuity mortgage, linear mortgage and interest-only mortgage.
With an annuity mortgage and linear mortgage, you gradually pay off the amount you borrow over the term. This means you're mortgage-free at the end of the term.
With an interest-only mortgage, you don't make any repayments, but only pay interest on the loan during the term. In this case, you don't pay back the full loan amount until you sell your home or the mortgage expires. Because the lender bears the risk for the full loan amount during the term, the interest rate on an interest-only mortgage may be higher than on other mortgage types.
Fixed-interest period
When comparing interest rates for a mortgage, you will find that the fixed-interest period directly affects the interest rate. The fixed-interest period is the period of time during which the interest rate is fixed. This can vary from 12 months to 30 years. During this period, your interest rate remains unchanged, regardless of any fluctuations in market interest rates.
Short fixed-interest period
Short fixed-interest periods, such as one to five years, usually have lower interest rates than long fixed-interest periods. This is because the lender has less risk with short-term loans. If market interest rates rise, the lender can adjust the interest rate as soon as the fixed-rate period expires. This allows the lender to adjust to the new market circumstances.
Long fixed-interest period
Long fixed-interest periods generally have higher interest rates. This is because lenders charge a higher premium for fixing the interest rate for the long term. With long-term loans, the lender faces a greater risk of market interest rates rising, which could mean they receive lower than market interest income for the entire period.
Ratio between mortgage debt and market value
A lender is at risk when lending money, for example, because a mortgage can no longer be paid due to circumstances. This risk is determined based on the debt-to-value ratio.
This ratio, also known as risk class, is calculated by dividing the mortgage debt by the market value of the home. If the debt-to-market value ratio is high, it means the lender's risk is high. This results in an interest surcharge that is intended to compensate for the risk that the lender runs.
However, this interest surcharge does not apply to a mortgage with Nationale Hypotheek Garantie (NGH). The NHG covers (part of) the residual debt if the home has to be sold and the proceeds are not sufficient to pay off the mortgage. This reduces the risk for the lender and therefore results in a lower interest rate.
Energy label
Finally, the energy label of the home you buy affects the mortgage interest rate. If you buy a home with a valid registered energy label B or higher, you will receive a sustainability discount on the mortgage interest. The sustainability discount is 0.10% for label B and 0.15% for label A.