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What is the
current
mortgage rate?
The current lowest mortgage rate for 10 years fixed is 3.57%. Our overview is automatically updated with rates from 40+ providers. Updated: 25-01-2026
Independent mortgage advice in the Netherlands
Fixed-rate period
The fixed-rate period is the length of time your mortgage interest rate remains unchanged. During this period, your rate stays the same. When the fixed-rate period ends, you can set a new fixed rate based on the interest rates available at that time.
Loan to value ratio / risk class
The loan to value ratio is the relationship between the amount of your mortgage and the value of your home. This ratio helps determine your mortgage interest rate. The lower the loan to value ratio, the lower your mortgage interest rate will be.
Energy label
Overview 10-year fixed-rate, NHG
| Mortgage provider | Product | Interest rate | |
|---|---|---|---|
|
Woon | 3.57% | |
|
Basis | 3.57% | |
|
Woonnu | 3.57% | |
|
Budget | 3.58% | |
|
Bespaarhypotheek | 3.58% | |
|
Bespaarhypotheek | 3.58% | |
Find out what a house is worthGet a free value check via Makelaarsland and instantly receive a property value report 
|
|||
|
Profijt Drie+Drie | 3.58% | |
|
Bespaarhypotheek | 3.58% | |
|
Triodos Bank | 3.59% | |
|
Argenta | 3.60% | |
|
ING | 3.60% | |
|
Riant | 3.65% | |
|
Vista Hypotheken | 3.65% | |
|
Allianz | 3.67% | |
|
Nationale Nederlanden | 3.67% | |
|
|
Nieuwbouw | 3.67% | |
|
HollandWoont | 3.68% | |
|
Lloyds Bank | 3.68% | |
|
Venn Hypotheken | 3.68% | |
|
Easy Mortgage | 3.68% | |
|
bijBouwe | 3.70% | |
|
Leef | 3.70% | |
|
|
Vooruit | 3.72% | |
|
NIBC | 3.72% | |
|
Lot | 3.72% | |
|
|
Woning | 3.73% | |
|
|
Profijt Twaalf | 3.73% | |
|
|
ASN Bank | 3.74% | |
|
|
BLG Wonen | 3.74% | |
|
|
Plus | 3.75% | |
|
MUNT Hypotheken | 3.76% | |
|
|
Extra | 3.77% | |
|
Vrij Leven | 3.87% | |
|
Robuust | 3.87% | |
|
WelThuis | 3.90% | |
|
Attens Hypotheken | 3.92% | |
|
Aegon | 3.94% | |
|
Basis | 4.02% | |
|
Merius | 4.15% | |
|
|
Comfort | 4.22% | |
|
Groene Hart | 4.24% | |
|
|
Compleet | 4.29% | |
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