Banks accounted for the largest share of mortgage lending in the Netherlands in the second quarter of 2023. The top three banks in the Netherlands alone were responsible for over 45 percent of mortgage lending in that period. In recent years, the housing market has continued to rise in the Netherlands due to the asset purchase programme (APP) of the European Central Bank and the, consequently, low mortgage rates. This can be seen in the, the number of registered transactions, which has risen by over 100 percent since 2013.

Mortgage rates in the Netherlands increased sharply in 2022 and 2023, after declining gradually between 2008 and 2021. In December 2021, the average interest rate for new mortgage loans stood at **** percent, and by the end of 2023, it had risen to **** percent. In May 2025, mortgage rates decreased slightly, falling to **** percent on average. Mortgages with a 10-year fixed rate were the most affordable, at **** percent. Are mortgage rates in the Netherlands different from those in 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 Spain, the United Kingdom, and Sweden. It was, however, a lot lower than the rates in Eastern Europe. Hungary and Romania, for example, had some of the highest mortgage rates. 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? The Netherlands has overall seen an increase in the number of mortgage loans sold and is regarded as one of the countries with the highest mortgage debt in Europe. The reason behind this is that 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 has been increasing year-on-year since 2013.

In the second quarter of 2023, banks accounted for approximately **** percent of mortgage lending to first-time buyers. In recent years, the housing market has continued to rise in the Netherlands due the asset purchase programme (APP) of the European Central Bank and, consequently, low mortgage rates. This can be seen in the, the number of registered transactions, which has risen by over 100 percent since 2013.

Dutch households had over 839 billion euros of outstanding mortgage loans as of the third quarter of 2024, the highest value on record. Despite its relatively small population size, the Netherlands had a much higher mortgage debt than most other European countries and was not far from those found in the United Kingdom, France, or Germany. This has a political background, as the Dutch government, for many years, wanted to help people to buy a house. The tax system allowed homeowners to deduct interests paid on mortgage from pre-tax income for a maximum period of thirty years. This was known as hypotheekrenteaftrek, and consequently led to the Netherlands becoming the European country with the second-highest share of the population who is an owner-occupier with a mortgage. Since 2014, the Dutch government is slowly scaling this tax facility down, with an acceleration planned from 2020 onwards. What are the biggest companies in the Dutch mortgage market? The top three banks, ABN AMRO, Rabobank and ING, provided 45 percent of mortgages in the Netherlands in the second quarter of 2023. Another seven percent of the market was provided by banks outside the traditional top three. Note that these are combined numbers, as there are no market shares that look at mortgage providers individually. Banks, insurance companies, regiepartijen (funds that originate mortgage loans on behalf of institutional investors, no English word exists for this term) and other providers do not have to share this information openly. The risk of underwater mortgages As many people in the Netherlands both own a house and have a mortgage as well, a big theme is the risk of a house going underwater or negative home equity. This occurs when people effectively pay more for their mortgage than their house is worth and happened, for example, between 2009 and 2013, when the average valuation of a house outweighed the average selling price. For this risk alone, one can find much data on residential property in the Netherlands. For example, quarterly pulse monitors state that housing prices in the Netherlands are set to decline in 2024.

The benchmark interest rate in Netherlands was last recorded at 4.50 percent. This dataset provides - Netherlands Interest Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

Housing Index in Netherlands increased to 149.80 points in June from 148.50 points in May of 2025. This dataset provides - Netherlands House Price Index - actual values, historical data, forecast, chart, statistics, economic calendar and news.

Comprehensive dataset of 1,496 Mortgage brokers in Netherlands as of August, 2025. Includes verified contact information (email, phone), geocoded addresses, customer ratings, reviews, business categories, and operational details. Perfect for market research, lead generation, competitive analysis, and business intelligence. Download a complimentary sample to evaluate data quality and completeness.

Demographic developments on the housing market (Dutch only)

Total House Sales: All Dwellings data was reported at 11,522.000 EUR mn in Sep 2018. This records a decrease from the previous number of 12,189.000 EUR mn for Jun 2018. Total House Sales: All Dwellings data is updated quarterly, averaging 7,124.000 EUR mn from Mar 1998 (Median) to Sep 2018, with 83 observations. The data reached an all-time high of 12,643.000 EUR mn in Dec 2016 and a record low of 3,539.000 EUR mn in Mar 1998. Total House Sales: All Dwellings data remains active status in CEIC and is reported by Dutch Association of Real Estate Brokers and Real Estate Experts. The data is categorized under Global Database’s Netherlands – Table NL.EB002: House Sales: Dutch Association of Real Estate Brokers and Real Estate Experts.

NetLogo model corresponding to the Real Estate journal article: "An Agent-Based Market Analysis of Urban Housing Balance in the Netherlands". NetLogo model and data are included. Please see the paper for a summary description of the model, and a detailed description in the Supplementary Material.

Netherlands Life Insurance Corp: Assets: Loans: Over 1 Year: Mortgage Lending data was reported at 56,695.000 EUR mn in Jun 2018. This records an increase from the previous number of 56,425.000 EUR mn for Mar 2018. Netherlands Life Insurance Corp: Assets: Loans: Over 1 Year: Mortgage Lending data is updated quarterly, averaging 32,526.000 EUR mn from Mar 2002 (Median) to Jun 2018, with 66 observations. The data reached an all-time high of 56,695.000 EUR mn in Jun 2018 and a record low of 19,696.000 EUR mn in Dec 2007. Netherlands Life Insurance Corp: Assets: Loans: Over 1 Year: Mortgage Lending data remains active status in CEIC and is reported by De Nederlandsche Bank. The data is categorized under Global Database’s Netherlands – Table NL.Z012: Balance Sheet: Insurance Corporation: Life.

Companies operating in the third-party real estate industry have had to navigate numerous economic headwinds in recent years, notably rising interest rates, spiralling inflation and muted economic growth. Revenue is projected to sink at a compound annual rate of 0.6% over the five years through 2025, including an estimated jump of 1.2% in 2025 to €207.6 billion, while the average industry profit margin is forecast to reach 35.1%. Amid spiralling inflation, central banks across Europe ratcheted up interest rates, resulting in borrowing costs skyrocketing over the two years through 2023. In residential markets, elevated mortgage rates combined with tightening credit conditions eventually ate into demand, inciting a drop in house prices. Rental markets performed well when house prices were elevated (2021-2023), being the cheaper alternative for cash-strapped buyers. However, even lessors felt the pinch of rising mortgage rates, forcing them to hoist rent prices to cover costs and pricing out potential buyers. This led to a slowdown in rental markets in 2023, weighing on revenue growth. However, this has started to turn around in 2025 as interest rates have been falling across Europe in the two years through 2025, reducing borrowing costs for buyers and boosting property transactions. This has helped revenue to rebound slightly in 2025 as estate agents earn commission from property transactions. Revenue is forecast to swell at a compound annual rate of 3.7% over the five years through 2030 to €249.5 billion. Housing prices are recovering in 2025 as fixed-rate mortgages begin to drop and economic uncertainty subsides, aiding revenue growth in the short term. Over the coming years, PropTech—technology-driven innovations designed to improve and streamline the real estate industry—will force estate agents to adapt, shaking up the traditional real estate sector. A notable application of PropTech is the use of AI and data analytics to predict a home’s future value and speed up the process of retrofitting properties to become more sustainable.

Bank Lending Rate in Netherlands decreased to 2.47 percent in June from 2.67 percent in May of 2025. This dataset provides - Netherlands Bank Lending Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

Netherlands House Sold: Quarterly data was reported at 56,921.000 Unit in Sep 2018. This records an increase from the previous number of 52,930.000 Unit for Jun 2018. Netherlands House Sold: Quarterly data is updated quarterly, averaging 47,160.000 Unit from Mar 1995 (Median) to Sep 2018, with 95 observations. The data reached an all-time high of 66,188.000 Unit in Dec 2017 and a record low of 22,111.000 Unit in Jun 2013. Netherlands House Sold: Quarterly data remains active status in CEIC and is reported by Statistics Netherlands. The data is categorized under Global Database’s Netherlands – Table NL.EB001: House Sales: Statistics Netherlands.

Netherlands Pension Fund: Assets: Loans: Over 1 Year: Mortgage Lending data was reported at 6,439.000 EUR mn in Jun 2018. This records an increase from the previous number of 6,257.000 EUR mn for Mar 2018. Netherlands Pension Fund: Assets: Loans: Over 1 Year: Mortgage Lending data is updated quarterly, averaging 9,713.000 EUR mn from Mar 1982 (Median) to Jun 2018, with 146 observations. The data reached an all-time high of 12,198.000 EUR mn in Mar 2001 and a record low of 3,147.000 EUR mn in Mar 1982. Netherlands Pension Fund: Assets: Loans: Over 1 Year: Mortgage Lending data remains active status in CEIC and is reported by De Nederlandsche Bank. The data is categorized under Global Database’s Netherlands – Table NL.Z010: Balance Sheet: Pension Funds and Money Market Fund.

The Direct Real Estate Activities industry have come up against numerous headwinds in recent years, ranging from the COVID-19 outbreak in 2020 to the high base rate environment in the years since, which has inflated borrowing costs for potential buyers. This is a sharp contrast to the ultra-low interest environment seen over the decade following the 2008 financial crisis. Still, revenue is forecast to edge upwards at a compound annual rate of 0.6% over the five years through 2025 to €622.9 billion, including an anticipated rise of 0.8% in 2025. Despite weak revenue growth, profitability remains strong, with the average industry profit margin standing at an estimated 18.9% in 2025. Central banks across Europe adopted aggressive monetary policy in the two years through 2023 in an effort to curb spiralling inflation. This ratcheted up borrowing costs and hit the real estate sector. In the residential property market, mortgage rates picked up and hit housing transaction levels. However, the level of mortgage rate hikes has varied across Europe, with the UK experiencing the largest rise, meaning the dent to UK real estate demand was more pronounced. Commercial real estate has also struggled due to inflationary pressures, supply chain disruptions and rising rates. Alongside this, the market’s stock of office space isn’t able to satisfy business demand, with companies placing a greater emphasis on high-quality space and environmental impact. Properties in many areas haven't been suitable due to their lack of green credentials. Nevertheless, things are looking up, as interest rates have been falling across Europe over the two years through 2025, reducing borrowing costs and boosting the number of property transactions, which is aiding revenue growth for estate agents. Revenue is slated to grow at a compound annual rate of 4.5% over the five years through 2030 to €777.6 billion. Economic conditions are set to improve in the short term, which will boost consumer and business confidence, ramping up the number of property transactions in both the residential and commercial real estate markets. However, estate agents may look to adjust their offerings to align with the data centre boom to soak up the demand from this market, while also adhering to sustainability commitments.

Key information about Netherlands Long Term Interest Rate

• Netherlands Long Term Interest Rate: Month Avg: Netherlands: ECB Harmonised was reported at 2.63 % pa in Feb 2025, compared with 2.73 % pa in the previous month.
• Netherlands Long Term Interest Rate data is updated monthly, available from Apr 1986 to Feb 2025.
• The data reached an all-time high of 9.21 % pa in Oct 1990 and a record low of -0.55 % pa in Dec 2020.
• Long Term Interest Rate is reported by reported by CEIC Data.

• In the latest reports, Netherlands Short Term Interest Rate: Month End: EURIBOR: 3 Months was reported at -0.57 % pa in Nov 2021.
• The cash rate (Policy Rate: Month End: Main Refinancing Operations) was set at 2.90 % pa in Feb 2025.
• Netherlands Exchange Rate against USD averaged 0.92 (USD/EUR) in Jun 2023.

The total value of home mortgage loans to households has grown steadily since 2014. In the second quarter of 2023, the total value was approximately 795 million euros. The source states that 'the sector households includes all natural persons who are resident for more than one year in the Netherlands, irrespective of their nationality. On the other hand, Dutch citizens who stay abroad for longer than one year do not belong to the Dutch sector households'. Also, it includes non-profit institutions serving households (NPISH), such as religious organizations, charity organizations, political parties, trade unions and cultural, sports and recreational organizations.

Comprehensive dataset of 700 Housing complexes in Netherlands as of August, 2025. Includes verified contact information (email, phone), geocoded addresses, customer ratings, reviews, business categories, and operational details. Perfect for market research, lead generation, competitive analysis, and business intelligence. Download a complimentary sample to evaluate data quality and completeness.

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