10-year fixed mortgage rate in the Netherlands
The ECB/DNB statistics have no separate series for 10 years fixed. The closest series is 5–10 years fixed. In that series the average rate on new mortgages was 3.93% in August 2026.
Latest month in the ECB statistics: August 2026 (fetched )
- August 2026
- 3.93%
- 5–10 years fixed
- A year earlier
- 3.50%
- August 2025
- Lowest month in the series
- 1.53%
- September 2021
- Highest month in the series
- 3.94%
- November 2023
Trend
- 5–10 years fixed
- All fixation periods
Yearly averages
| Year | 5–10 years fixed | Months in the data |
|---|---|---|
| 2016 | 2.37% | 4 |
| 2017 | 2.34% | 12 |
| 2018 | 2.38% | 12 |
| 2019 | 2.21% | 12 |
| 2020 | 1.79% | 12 |
| 2021 | 1.60% | 12 |
| 2022 | 2.39% | 12 |
| 2023 | 3.72% | 12 |
| 2024 | 3.63% | 12 |
| 2025 | 3.39% | 12 |
| 2026 | 3.70% | 8 |
How we map fixed periods
- 5 years fixed → series “1–5 years fixed”
- 10 years fixed → series “5–10 years fixed”
- 20 and 30 years fixed → series “over 10 years fixed”
A series is an average over all loans in that group. For 20 and 30 years fixed it is the same figure.
Lender rates
| 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.
Not advice. Averages are not offers.