Mortgage rates in the Netherlands
The average rate on new home loans was 3.94% in August 2026 (all fixed periods). These are bank averages, measured by DNB and published by the ECB. They are not current offers.
Latest month in the ECB statistics: August 2026 (fetched )
- Variable / up to 1 year fixed
- 4.30%
- +0.31 pp in a year
- 1–5 years fixed
- 4.18%
- +0.46 pp in a year
- 5–10 years fixed
- 3.93%
- +0.43 pp in a year
- Over 10 years fixed
- 3.38%
- +0.47 pp in a year
- All fixation periods
- 3.94%
- +0.45 pp in a year
Average rate by fixed period
- Variable / up to 1 year fixed
- 1–5 years fixed
- 5–10 years fixed
- Over 10 years fixed
| Fixed period | Aug 2026 | A year earlier | Difference |
|---|---|---|---|
| Variable / up to 1 year fixed | 4.30% | 3.99% | +0.31 pp |
| 1–5 years fixed | 4.18% | 3.72% | +0.46 pp |
| 5–10 years fixed | 3.93% | 3.50% | +0.43 pp |
| Over 10 years fixed | 3.38% | 2.91% | +0.47 pp |
| All fixation periods | 3.94% | 3.49% | +0.45 pp |
Lender rates
We copy rates only from a lender's own rate page, with a link and date. We do not scrape sites. A lender shows a rate only after we have checked the terms of use.
| Lender and product | A++++ | A+++ | A++ | A+ | A | B | C | D | E | F | G | Source and date |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ABN AMROBudget Hypotheek, NHG, 10 jaar vast (incl. 0,2% huisbankkorting) | 4.23% | 4.23% | 4.27% | 4.27% | 4.27% | 4.34% | 4.39% | 4.40% | 4.43% | 4.43% | 4.43% | rate page, checked |
| Rabobank | Not included yet: we first check the terms of use of the rate page. No rate shown. | |||||||||||
| ING | Not included yet: we first check the terms of use of the rate page. No rate shown. | |||||||||||
| de Volksbank (SNS/ASN/RegioBank) | Not included yet: we first check the terms of use of the rate page. No rate shown. | |||||||||||
| Obvion | Not included yet: we first check the terms of use of the rate page. No rate shown. | |||||||||||
Order: lenders with a checked rate first, then as listed. Rates apply to the product and conditions named; your rate may differ. This table contains no advertising and no affiliate links.
Why the average differs from your offer
- The average covers all new loans in a month, with and without NHG and at every loan-to-value ratio.
- The figure has a lag: the latest month is always a few weeks in the past.
- Energy label, NHG and the loan amount affect your own rate.
Major banks such as ABN AMRO, Rabobank, ING and de Volksbank publish their rates on their own sites. We do not give advice about any lender or product.
Not advice. This page does not compare products and does not arrange loans.