Mortgage interest rate transfer

Transfer your current mortgage interest rate to a new home

Looking for a new home?

Are you looking for a new home? Then you will probably also keep a close eye on the current mortgage interest rates of various providers. Interest rates have risen sharply in recent months. Your current interest may still date from the time when interest rates were low. Wouldn’t it be nice if you could finance a new home with that rate? We are happy to explain to you how to transfer mortgage to new home.

Almost all mortgage providers have a mortgage rate transfer scheme. Under certain conditions, this arrangement makes it possible to buy another home at the same interest rate that you now pay. With the current high interest rates in mind, this may result in significant savings on your mortgage costs.

Interest transfer

The mortgage interest transfer scheme can be an attractive option for your new housing plans. But there may be more options in your situation. Our mortgage advisors give you a complete insight into all options, so you know what the best solution for your situation will be.

Informed bidding on a house

A&H Finance is specialized in helping expats who want to buy a house in the Netherlands. We guide you through the entire mortgage process.

Reach out for the possibilities. Call us on +31 (0)20-4651951 or fill in the contact form.

The conditions

Every lender has its own conditions for transferring your current mortgage interest to another home. At A&H Finance we can tell you immediately what the options are in your situation and with your lender. What are important points to keep in mind? We describe them briefly below.

  • Same lender

    You can only take your current interest rate with you if you stay with the same lender. You and the bank have a ‘contract’ and you want to adjust something to it. Other lenders would of course like to welcome you as a new customer, but at the current (high) interest rate. Our advisors always consider whether your financing can be cheaper elsewhere, but a mortgage transfer arrangement is always agreed with the current mortgage lender.

  • New mortgage application

    In principle, banks treat the application for the mortgage transfer as a new mortgage application. The mortgage interest rate may remain the same, but your current and new home plus your income will all be retested. Appraisals of the homes and a visit to the notary are therefore also part of the process. Our advisors can fully support you in this.

  • Length of fixed-rate period

    The remaining term of your fixed-rate period partly determines the benefit you can achieve with the mortgage transfer. The rules stipulate that you may transfer the interest rate for the duration of the remaining fixed-rate period. The longer this period is, the more advantage you can gain with the low rate. At the end of the fixed-rate period, the bank will set a new rate again. Check with our mortgage advisers whether the fixed-rate period is still long enough to yield benefits.

  • Amount of your current mortgage

    The mortgage transfer scheme only provides for the amount of the current mortgage debt. If you have a larger (more expensive) home in mind, then you will have to take out a separate mortgage for the price difference with your current home. In most cases, you take out this second mortgage with your current lender at a different mortgage interest rate.

Reviews

AH Finance
5.0
Based on 415 reviews
powered by Google
Rituja Bakshi
Rituja Bakshi
08:00 20 May 23
One of the best decisions I took for my house buying — getting a mortgage advisor and via... AH finance. I have been one of those picky house chooser who took the longest time to purchase a house and AH has been my backbone in making that decision. They supported me immensely everytime, anytime of the day and even on the silliest of questions I have had . Their services have been end to end- 360 degree(super impressive) ! Can’t thank them enough , best choice ever made !!!! Bas and Berry you both have been amazing advisors , so thankful and grateful!!read more
Martin Poddevin
Martin Poddevin
11:33 23 Apr 23
Since we moved to Amsterdam, we had the pleasure to work 2 times with him already. Paul... takes care of all the financial parts and provides you with great piece of advise.His expertise and experience offer peace of mind and allows you to focus on your house research without worrying about the financial aspect.Working with Paul is great, thanks again for your help.read more
Pierre Dassonneville
Pierre Dassonneville
16:06 09 Mar 23
Amazing service by A&H finance, with the rapidly change of interest rate, our mortgage... advisor made the application at 10pm the same day we got introduced. Effective service, great advisor. I recommend 200%.read more
Fevzi Torcu
Fevzi Torcu
09:18 21 Feb 23
We worked with Paul for our mortgage. He was very helpful, very knowledgeable, kept us up... to date on every single step. He also provided us useful resources for other needs when you buy a new apartment so definitely suggest AH Finance!read more
surajeet ghosh
surajeet ghosh
09:02 30 Dec 22
It has been an absolute pleasure working with AH Finance and special call out for Bas who... helped us secure our mortgage. If I could give more than 5 stars, I would have given that. Bas is extremely professional and at the same time very caring and attentive. He explained every step in detail and the whole process was a walk in the park. I not only highly recommend Bas but in future if I ever need a mortgage loan, I will always reach out to Bas and AH Fimance. One of the best loan approval experience ever!!!!read more
See All Reviews
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AH Finance
5.0
Based on 415 reviews
powered by Google
Rituja BakshiRituja Bakshi
08:00 20 May 23
One of the best decisions I took for my house buying — getting a mortgage advisor and via AH finance. I have been one... of those picky house chooser who took the longest time to purchase a house and AH has been my backbone in making that decision. They supported me immensely everytime, anytime of the day and even on the silliest of questions I have had . Their services have been end to end- 360 degree(super impressive) ! Can’t thank them enough , best choice ever made !!!! Bas and Berry you both have been amazing advisors , so thankful and grateful!!read more
Martin PoddevinMartin Poddevin
11:33 23 Apr 23
Since we moved to Amsterdam, we had the pleasure to work 2 times with him already. Paul takes care of all the financial... parts and provides you with great piece of advise.His expertise and experience offer peace of mind and allows you to focus on your house research without worrying about the financial aspect.Working with Paul is great, thanks again for your help.read more
Pierre DassonnevillePierre Dassonneville
16:06 09 Mar 23
Amazing service by A&H finance, with the rapidly change of interest rate, our mortgage advisor made the application at... 10pm the same day we got introduced. Effective service, great advisor. I recommend 200%.read more
Fevzi TorcuFevzi Torcu
09:18 21 Feb 23
We worked with Paul for our mortgage. He was very helpful, very knowledgeable, kept us up to date on every single step.... He also provided us useful resources for other needs when you buy a new apartment so definitely suggest AH Finance!read more
surajeet ghoshsurajeet ghosh
09:02 30 Dec 22
It has been an absolute pleasure working with AH Finance and special call out for Bas who helped us secure our... mortgage. If I could give more than 5 stars, I would have given that. Bas is extremely professional and at the same time very caring and attentive. He explained every step in detail and the whole process was a walk in the park. I not only highly recommend Bas but in future if I ever need a mortgage loan, I will always reach out to Bas and AH Fimance. One of the best loan approval experience ever!!!!read more
Lucas YaridLucas Yarid
18:12 06 Nov 22
I reached out to Berry just after finding a great property and seeking mortgage advice support.Berry went the extra... mile to help us understand how the mortgage works in the Netherlands, which option was the smartest and everything else necessary.He is very friendly and always answers ASAP when help is needed.I can't recommend enough his services.read more
Tijana KrsticTijana Krstic
09:46 01 Nov 22
Paul was recommended to me by a friend, at the moment when I was already half way in the buying process, as the... previous financial advisor truly did not care about my best interest. Due to the bad experience, I was a little bit anxious to switch an advisor mid way, but Paul impressed me since the first few minutes of our initial intake appointment. Paul is kind, down to Earth, extremely professional, quick to respond or answer any questions, and somehow capable of drawing out many different personalized options within less than an hour; more importantly, he is able to explain things in a non intimidating, concise way. I was able to get an amazing mortgage deal at the time when interest rates were rising quickly. I would recommend Paul to anyone!read more
Mohammad KermaniMohammad Kermani
23:07 25 Oct 22
AH Finance was recommended by a friend who had a pleasant experience with them. My first contact with them was to find... out some basic information about the mortgage, and after finding their service to be trustworthy, I signed a contract. What I liked about AH Finance is that they explain complicated financial terms in an easy-to-understand manner, and throughout the mortgage process, they keep in touch with you at every stage. I can't even imagine how difficult it is to get a mortgage without professional assistance. I received assistance from Alex and Kim, and both of them were very pleasant and responsive people. I will use their service again in the future if I need financial advice.read more
Anna NowakAnna Nowak
00:52 14 Oct 22
Great service! Very professional and friendly approach. We had Bas and Paul as our advisors, and there was nothing we... could possibly complain about. The communication was clear and efficient, the financial advice was sound, and the whole experience was much less stressful than expected. Thank you AH Finance :)read more
Alfonso SerranoAlfonso Serrano
17:01 06 Oct 22
Could not be happier with AH Finance. Amazing service and great personalised attention. I had the pleasure to work with... Robbert. Really good experience with him. He supported me 100% from the beginning and my mortgage was ready in 3 days. Definitely I recommend to choose AH Finance with Robbert as an advisor.read more
Valeria FulgaValeria Fulga
08:29 01 Oct 22
We have recently bought an apartment with the support of A&H Finance (Ilse and Bas). I can recommend to anyone the... services of A&H Finance, as they have been extremely supportive and very easy to communicate with. It’s worth all the money as you have all the time someone guiding you through the process with advices.Also, it very beneficial that they have partners that can also help you with the buying and selling process, and all the other bypassing services.read more
Kany KurbanovaKany Kurbanova
15:12 11 Aug 22
We really liked our experience with AH Finance! Great service, great mortgage advisors and very pleasant office! Bas... van Hoorn is an excellent mortgage advisor. Alongside with the help to choose the right mortgage plan for us, he also helped to choose the right different insurance plans that perfectly fit our conditions. In short, everything was clear, smooth and fast. We can't recommend him and AH Finance enough!read more
Garance VidartGarance Vidart
13:25 04 Jul 22
In a time where the real estate market in Amsterdam is extremely competitive and quite stressful, I was offered a... 5-star service from the AH Finance team (Bas in particular) who supported me in my search for an advantageous mortgage. The quality of their service - before, during and after the purchase of my new home - has been impeccable and really helpful. A big thanks to the team, and I highly recommend to anyone in search of quality advising!read more
Marie-Christine PötzlMarie-Christine Pötzl
10:13 06 Jun 22
Excellent experience with Robbert as a Mortgage advisor. It took me over a year to find the right property and he was... extremely patient and took a lot of time to walk me through all the different scenarios. He was always available, really professional and showed a lot of empathy.I can only recommend Robbert.Thanks for supporting me through my journey!!read more
stephanie segauxstephanie segaux
06:56 14 May 22
Super experience with Paul from A&H as mortgage advisor.Paul was extremely patient with us because it unfortunately... took us 9 months to find our house (the buying market isn't the easiest at the moment!) and answered all our questions and guided us along the way.Once we found our house, the mortgage application process was very smooth and fast. Paul was always very responsive and professional.Both my partner and I really recommend him for an acquisition with mortgage!read more
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