5-year fixed mortgage rate in the Netherlands
The ECB/DNB statistics have no separate series for 5 years fixed. The closest series is 1–5 years fixed. In that series the average rate on new mortgages was 4.18% in August 2026.
Latest month in the ECB statistics: August 2026 (fetched )
- August 2026
- 4.18%
- 1–5 years fixed
- A year earlier
- 3.72%
- August 2025
- Lowest month in the series
- 1.58%
- May 2021
- Highest month in the series
- 4.68%
- November 2023
Trend
- 1–5 years fixed
- All fixation periods
Yearly averages
| Year | 1–5 years fixed | Months in the data |
|---|---|---|
| 2016 | 2.13% | 4 |
| 2017 | 2.20% | 12 |
| 2018 | 2.13% | 12 |
| 2019 | 2.04% | 12 |
| 2020 | 1.76% | 12 |
| 2021 | 1.62% | 12 |
| 2022 | 2.50% | 12 |
| 2023 | 4.43% | 12 |
| 2024 | 4.13% | 12 |
| 2025 | 3.74% | 12 |
| 2026 | 3.90% | 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 5 years fixed yet. See the mortgage rates page for the rates we do have.
Not advice. Averages are not offers.