House prices have increased dramatically in the Netherlands over the last few years. In fact, just last year, the average increase was about 11%. If you already own a home, this surge in property value can actually work in your favor. Especially when it comes to reducing your mortgage interest rate.

Choosing the right mortgage is one of the most important steps in buying a home — especially in the Netherlands, where the mortgage landscape includes a variety of options tailored to different financial situations. Whether you’re a Dutch citizen or an international looking to settle down, understanding the types of mortgages in the Netherlands will help you make smart, future-proof decisions.