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Interest rate for new mortgages in the Netherlands 2003-2018

Average interest rate for new mortgages in the Netherlands from 2003 to 2018

by Raynor de Best, last edited Aug 19, 2019
Interest rate for new mortgages in the Netherlands 2003-2018 In 2018, the interest rate for new mortgage loans reached an average of 2.40 percent. This is the lowest point since the source started to measure the data in 2003. The average interest rate for outstanding mortgages had a similar development. From a mortgage rate of 5.45 percent in 2003, it declined to a rate of 3.2 percent in 2018.

Are mortgage rates in the Netherlands different from other European countries?

When comparing this ranking to data that covers multiple European countries, the Netherlands’ mortgage rate was similar to the rates found in Belgium (1.91 percent in the first quarter of 2019), the United Kingdom (2.11 percent) and Germany (1.79 percent). It was, however, a lot lower than the rates in Eastern Europe. Hungary and Poland, for example, had mortgage rates of around five and six percent. For more information on the European mortgage market and how much the countries differ from each other, please visit this dedicated research page.

How big is the mortgage market in the Netherlands?

In 2018, approximately 346,000 mortgage loans were sold. This was a decrease from the previous year, but still higher than previous years. The Netherlands is regarded as one of the countries with the highest mortgage debt in Europe, as Dutch homeowners were able to for many years to deduct interest paid from pre-tax income (a system known in the Netherlands as hypotheekrenteaftrek). Total mortgage debt of Dutch households reached a value of approximately 714 billion euros in 2018.
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Average interest rate for new mortgages in the Netherlands from 2003 to 2018

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