Dutch Mortgage Basics
Foundational knowledge about how mortgages work in the Netherlands, from basic concepts to key terminology.
All Articles in This Category
What Is a Mortgage in the Netherlands?
A comprehensive introduction to how mortgages work in the Dutch housing market, including key terminology and basic concepts for internationals.
How Do Dutch Banks Calculate Your Maximum Mortgage?
Understand the exact formulas and criteria Dutch banks use to determine your borrowing capacity, including income ratios, stress tests, and the Nibud framework.
Loan-to-Value (LTV) in the Netherlands: 2026 Rules
Everything you need to know about LTV limits in the Netherlands, currently set at 100% for 2026, and what this means for your home purchase and additional costs.
NHG (National Mortgage Guarantee): Complete 2026 Guide
Learn how the Nationale Hypotheek Garantie protects both you and the lender, eligibility criteria (€450,000 limit), costs, and benefits for 2026.
Annuity vs Linear Mortgage: Which Is Right for You?
Compare the two main mortgage repayment types in the Netherlands, with clear examples showing monthly payments, total interest paid, and which suits different situations.
All Dutch Mortgage Types Explained
A complete overview of every mortgage type available in the Netherlands, including annuity, linear, interest-only rules, and hybrid options.
Interest-Only Mortgages in the Netherlands: 2026 Rules
Current regulations on interest-only (aflossingsvrij) mortgages, when they're allowed, tax implications, and what options exist for expats.
Mortgage Term Length: 10, 20, or 30 Years?
Compare different mortgage term lengths, understand how term affects payments and total cost, and learn what most Dutch lenders offer.
Dutch Mortgage Terms: Essential Glossary
A comprehensive glossary of Dutch mortgage terminology with English translations and explanations, essential for navigating the homebuying process.
How Mortgage Interest Works in the Netherlands
Understand how Dutch mortgage interest is calculated, when it's charged, and how it affects your monthly payments and total cost.
Understanding Your Dutch Mortgage Offer (Offerte)
Learn to read and compare Dutch mortgage offers, understand the key terms, and know what to look for before accepting.
Bank vs Mortgage Advisor: Which Should You Choose?
Compare going directly to a bank versus using an independent mortgage advisor, with pros and cons for expats in each approach.
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