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Mortgage types
The mortgage types you can choose of are diverse. Since 2013, there is a so-called repayment obligation for newly secured mortgages. Everyone who buys a house for the first time has the choice between two mortgage types: an annuity mortgage or linear mortgage. In both cases your interest is tax-deductible.
The third type is an interest-only mortgage. You can finance a maximum of 50% of the market value of your house with an interest-only mortgage. Be aware that the interest you pay for this part is not tax-deductible.
Let one of our mortgage advisers assist you in making the right decision.
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Let’s meet! In our first introduction we explain in depth all your options for buying a house in the Netherlands.
Call us on +31 (0)20-4651951 or fill in the contact form.
Annuity mortgage
With an annuity mortgage, the gross monthly costs remain fixed during the lifetime of the mortgage.
This is however only when the interest on the mortgage is fixed. The structure of the mortgage changes throughout the lifetime: at the start you pay more interest and less repayment on the principal and at the end this is reversed: you pay little interest but repay more on the principal. Because you pay less and less interest over the lifetime of the mortgage, and you can deduct mortgage interest from your income for tax purposes, this tax benefit you receive will decrease each month. This results in higher net monthly costs.
Linear mortgage
This mortgage type is similar to an annuity mortgage, but with one important difference: the monthly costs fall during the lifetime of the mortgage.
Repayments on the principal will stay the same during the lifetime of the mortgage. Consequently, interest payments will decrease and as a result the tax benefit you receive falls as well. Monthly net costs decline gradually.
Call us on +31 (0)20-46 519 51, or request a callback and we will get in touch!
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Interest only mortgage
As the name suggests, with an interest-only mortgage you do not repay the mortgage. You only pay interest.
This benefit of this type is that your monthly net costs are lower compared to the other types. A disadvantage of an interest only mortgage is that the mortgage is not hedged with either repayment or insurance. The interest-only mortgage can however be an interesting type if the value of the house is more than adequately sufficient.
Reach out to identify what is best for you
Reviews
19:13 01 Jul 24
In the process of buying a house, we carried out the process with AH Finance (Special... thanks to Kim and Berry) on the advice of our friends. Since, we are new to the country and can’t speak dutch, I was nervous in the beggining but all of my worries disappeared after the first meeting. Both Kim and Berry are experts in their fields. All the time even for very little details, we could easily reach out to them and also the mortgage process was so smooth. We would like to thank AH Finance. Without your support, it would have been difficult and complex.read more
16:49 24 Jun 24
My experience working with AH finance team was great. It was my first time buying a... property and considering I am an expat added another layer of complexity to the mix. Berry and Paul were very patient explaining the whole process in great detail and helping me navigate through arisen ambiguities.read more
06:33 20 Jun 24
I would highly recommend them! They were a real help in purchasing our home. Quick to... respond, very professional and answer every questions we had.read more
07:57 17 Jun 24
great expertise and advise throughout the process. I highlight recommend their services
18:20 15 Jun 24
AH Finance already helped me very well in 2017 and that is why I contacted AH finance... again when I needed them. Kim helped fantastically, took all the time necessary, was patient, was always available and really got me through it with her calmness and clear explanation! Thanks Kim and AH Finance, I recommend it to everyone.read more
19:13 01 Jul 24
In the process of buying a house, we carried out the process with AH Finance (Special thanks to Kim and Berry) on the... advice of our friends. Since, we are new to the country and can’t speak dutch, I was nervous in the beggining but all of my worries disappeared after the first meeting. Both Kim and Berry are experts in their fields. All the time even for very little details, we could easily reach out to them and also the mortgage process was so smooth. We would like to thank AH Finance. Without your support, it would have been difficult and complex.read more
16:49 24 Jun 24
My experience working with AH finance team was great. It was my first time buying a property and considering I am an... expat added another layer of complexity to the mix. Berry and Paul were very patient explaining the whole process in great detail and helping me navigate through arisen ambiguities.read more
06:33 20 Jun 24
I would highly recommend them! They were a real help in purchasing our home. Quick to respond, very professional and... answer every questions we had.read more
07:57 17 Jun 24
great expertise and advise throughout the process. I highlight recommend their services
18:20 15 Jun 24
AH Finance already helped me very well in 2017 and that is why I contacted AH finance again when I needed them. Kim... helped fantastically, took all the time necessary, was patient, was always available and really got me through it with her calmness and clear explanation! Thanks Kim and AH Finance, I recommend it to everyone.read more
08:17 14 Jun 24
Very great experience with AH Finance and my advisor Berry. Berry has been extremely helpful, very good advice and... professional support. He's super efficient, quick and got everything on time for my signature. My buying experience has been super smooth thanks to Berry and AH Finance services. I can only recommand.read more
08:14 12 Jun 24
Iwan was very helpful and always available to answer any questions we had. Everything was arranged quickly and the... process went very smoothly.read more
09:41 09 Jun 24
Thanks A & H finance team , specially Paul for your expert advice & support on the end to end process of our house... mortgage.read more
13:15 04 Jun 24
Good advice and always quick answers to questions. In the beginning it was not clear whether it would be possible to... transfer my current interest rate to the new mortgage, but this eventually worked out after some extra efforts.read more
15:46 28 May 24
Paul and Bas and the team at AH Finance are an absolute delight to work with. They helped us every step of the way... since we started our home buying journey back in November. Be it last minute personalised letters for every house we bid on to detailed advice specific to our situation, Paul and his team made sure we had the right information at any given time, helping us feel confident in our decisions. I wholeheartedly recommend them and wish them nothing but the best for the future.read more
08:58 28 May 24
We had a fantastic experience with Robbert from AH Finance; we got in touch with him about a year before we planned to... move to Utrecht, and he was with us during the entire process, always available for contact and meetings to discuss our plans, and when the time came to apply for a mortgage, he took care of everything smoothly. At every step of the process he made sure to inform us of what was happening and answer every question that we had; we cannot imagine where we would be without his help. Moving to a new country is always stressful, but with Robbert and AH, we really felt like we were in good hands and being taken care of!read more
14:18 27 May 24
Great help and professionalism from the team! Thank you!
10:31 27 May 24
07:11 27 May 24
09:51 21 May 24
I cannot recommend Robbert from AH finance highly enough as a financial advisor! Despite the challenges under which I... was seeking my mortgage, he was exceptionally professional, efficient, and unbelievably understanding. His empathy and expertise turned a stressful situation into a smooth and calm process. Plus, his flawless English was a huge advantage given my limited Dutch. I am eager to work with him again in the future!read more
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