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Annuity mortgage

With an annuity mortgage, you pay mostly tax-deductible interest (lower payments) at first and gradually repay more principal later—making it ideal for those expecting their income to rise over time.

• Fixed monthly payments: you pay a consistent monthly amount that covers both the mortgage interest and principal repayment.

• Mortgage payments: in the early years, most of your monthly payment goes toward interest, with a smaller portion repaying the loan. Over time, this gradually reverses.

• Tax advantages: interest payments are tax-deductible, which reduces your net monthly costs. However, this tax benefit declines over time, meaning your net payments may rise even though your gross payment stays the same.

Linear mortgage

With a linear mortgage, you repay equal amounts of the loan each month, resulting in decreasing payments over time and lower total interest—making it a good choice if you expect your income to drop or want to pay off your mortgage faster.

• Fixed-principal repayment: you repay an equal portion of the principal every month, calculated by dividing the total mortgage amount by the number of months.

• Mortgage payments: since the interest is calculated on the remaining principal, your monthly interest (and total payment) decreases over time.

• Tax benefits: you can still deduct interest paid from your taxable income. You repay the loan faster than with an annuity mortgage, you pay less total interest over the life of the loan.

Interest-only mortgage

With interest-only mortgages, you pay only the interest while the principal balance stays the same until the loan term ends.

• Monthly payments cover interest only: you pay interest each month without repaying the principal.

• No tax deduction: interest-only mortgage is not tax deductible.

• Outstanding principal: you still owe the full mortgage amount at the end of the term and need to pay it back when your term ends.

Fixed mortgage interest rate in the Netherlands

• A fixed mortgage interest rate means your interest rate and monthly payments stay the same for a set period, usually between 5 to 10 years or longer.

• This provides stability and peace of mind, as you know exactly what you will pay every month regardless of market changes.

• Fixed rates are ideal for borrowers who prefer predictable payments and want to protect themselves from rising interest rates.

Variable mortgage interest rate in the Netherlands

• A variable mortgage interest rate can change over time, based on market conditions and interest rates set by the Dutch Central Bank or European Central Bank.

• In most cases, variable rates have lower rates than fixed rates, making them attractive for those who want to benefit from potentially falling rates.

• However, monthly payments may increase if interest rates rise, so variable rates suit borrowers who are comfortable with some payment flexibility and risk.