20-year fixed mortgage rate in the Netherlands
The ECB/DNB statistics have no separate series for 20 years fixed. The closest series is Over 10 years fixed. In that series the average rate on new mortgages was 3.38% in August 2026.
Latest month in the ECB statistics: August 2026 (fetched )
- August 2026
- 3.38%
- Over 10 years fixed
- A year earlier
- 2.91%
- August 2025
- Lowest month in the series
- 1.73%
- December 2021
- Highest month in the series
- 3.39%
- June 2023
Trend
- Over 10 years fixed
- All fixation periods
Yearly averages
| Year | Over 10 years fixed | Months in the data |
|---|---|---|
| 2016 | 2.92% | 4 |
| 2017 | 2.94% | 12 |
| 2018 | 2.84% | 12 |
| 2019 | 2.71% | 12 |
| 2020 | 2.07% | 12 |
| 2021 | 1.80% | 12 |
| 2022 | 2.38% | 12 |
| 2023 | 3.20% | 12 |
| 2024 | 3.05% | 12 |
| 2025 | 2.83% | 12 |
| 2026 | 3.10% | 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
We have no checked lender rates for 20 years fixed yet. See the mortgage rates page for the rates we do have.
Not advice. Averages are not offers.