Mortgage interest rates Netherlands forecast 2025
Would you like to know everything about the expected mortgage interest rates? Our experts share their predictions for both short-term and long-term rates.
After a period of rising mortgage interest rates, rates have started to decline again over the past few months. Will this trend continue, or is a reversal on the horizon? What are the expectations for interest rate developments? What will mortgage rates do in 2025, and what is the forecast for 2026? Our mortgage interest rate experts provide answers to these questions. Every two weeks, we receive a new mortgage interest rate forecast from our three experts: Sjoerd Humble, Sander Burgers, Philip Bokeloh
Our experts share their expectations for the development of mortgage interest rates.
Philip Bokeloh
Philip Bokeloh is an economist at the Economic Bureau of ABN AMRO, where he has been working since 2004. He is responsible for analysing the Dutch housing market and developments in the financial markets.
What is the mortgage interest rate forecast?
Mortgage interest rate expectations for long-term rates
Long-term interest rates refer to rates with terms longer than one year. These rates are influenced by developments in the capital market. Expectations for capital market interest rates—shaped by economic trends, inflation, and political developments—play a key role. For example, the ongoing war in Ukraine has an impact.
On the right you can find the current lowest long-term mortgage interest rate and the forecast for the coming two weeks.
Mortgage interest rate expectations for short-term rates
Short-term interest rates include variable rates and fixed rates of up to one year. These rates are largely determined by developments in the money market (euribor rates) and the policy of the European Central Bank (ECB). The ECB's policy, in turn, depends on the economic situation.
On the right you can find the current lowest short-term mortgage interest rate and the forecast for the coming two weeks.
Receive the latest 2025 mortgage interest rates by email
Sign up for a free interest rate subscription. Each week, you will receive an email with an overview of the current mortgage rates, including the mortgage interest forecast, where you can instantly see trends and forecasts for interest rates. Use the latest mortgage interest rates as background information when arranging your mortgage or to check whether your existing mortgage is still up to date.