Mortgages types

When taking out a mortgage, it's important to understand the most common types of mortgages. To gain further insight, schedule a consultation with us."

Discover the different mortgage types

There are many different types of mortgages in the Netherlands, but due to tax regulations, the most common types are annuities and linear mortgages. These are the only types that are eligible for interest tax deduction, and only when the loan is being repaid in a maximum of 30 years.

Annuities mortgages

The monthly term of an annuities mortgage is the same amount each month and consists of interest and repayment. Because of the monthly repayment of your loan, the interest part of the monthly term will decrease over time, while the repayment part increases. At the start of the loan, the larger part of the monthly term is interest. At some point in the duration of the loan, this will change and the monthly term will consist mainly of repayment. Compared to a linear mortgage, an annuities mortgage has a lower monthly term at the beginning of the duration.

Linear mortgages

With a linear mortgage, you repay the same amount each month. This means that your debt decreases more quickly and you pay less interest over the entire term, compared to an annuities mortgage. Besides the monthly repayment, you pay interest over the outstanding loan. Because the outstanding loan decreases over time, the monthly amount of interest decreases as well over time. With a linear mortgage, you repay your loan at a higher pace, but the monthly term at the beginning of the duration is relatively high.

Interest-only mortgage

In an interest-only mortgage, you only pay interest, leaving the full debt to be repaid at the end of the duration. Monthly payments are fixed as the total value of the mortgage stays constant throughout. Interest-only mortgages are a good option if you expect that your assets will be sufficient for covering the total mortgage in the future. The maximum interest-only mortgage available is 50% of the property’s value.

Bridging loan

A bridging mortgage is a short-term loan used to bridge the gap between selling your current property and purchasing a new one. Some people prefer to sell their old home first, then use the equity to purchase their new property. However, there are situations when you want to buy first and sell later.

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Expert Expat Mortgages Service – Schedule Your Consultation Today”

Ready to take the next step and learn more about our expert expat mortgages service? Looking to schedule a consultation? Our team is here to help! Don’t hesitate to contact us for more information or to schedule your appointment today.

See also

Do you have any questions?

Don’t hesitate to reach out to us with any questions you may have about mortgages for expats or buying a house in the Netherlands as an expat. You can contact us via our online form or reach out to David or Erik directly via Whatsapp, either way we are here to help you and answer your question as soon as possible.David or Erik.

Our clients choose us for:

  • Customized and all-inclusive assistance
  • Full-service support
  • Efficient communication with expat-friendly banks
  •  Flexible scheduling
  • Transparent and fair pricing
  • Direct client communication
  • Coordination with real estate agents
  • Arranging building Inspection, valuation and notary
Explore mortgage possibilities
David Kamp
Erik Vulhop
  • Sadeestraat 20
    2596 XC Den Haag

Vergunningsnummer: 12048898

Aansluitnummer: 300.018.336


Advieskeuze: Gecheckt