• Expat mortgages: a home for your family
  • Expat mortgages: a home for your family

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.

Reach out for advice and start the search of your new home!
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 565 reviews
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Yara Klifman
17:33 17 Mar 25
Maaike te Kulve
19:18 11 Mar 25
Experienced a very nice collaboration with Iwan from A&H finance. Fast and clear communication and clear advice. Thank you A&H Finance!
kadambari rao
12:58 10 Mar 25
We were guided very well by Berry Geskus and his team from A&H Finance. We had very little knowledge of the process to buy a house here and Berry and his team made sure they were guiding us every step of the way to ensure a smooth process for us.
Marcello Magnaghi
11:42 09 Mar 25
Huge thanks to Berry and Aimee at A&H Finance! They were super quick in reviewing our documents and always ready to help with any questions. Their explanations were clear and made the whole process so much easier.As expats, dealing with finances can be a bit overwhelming, but Berry and Aimee made everything feel smooth and stress-free. If you're looking for a team that’s fast, supportive, and really knows their stuff—especially for expats—A&H Finance is the way to go!
remus bucur
11:12 09 Mar 25
Great team, great work, made the process very easy for me while answering all of my questions!
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Yara Klifman
17:33 17 Mar 25
Maaike te Kulve
19:18 11 Mar 25
Experienced a very nice collaboration with Iwan from A&H finance. Fast and clear communication and clear advice. Thank you A&H Finance!
kadambari rao
12:58 10 Mar 25
We were guided very well by Berry Geskus and his team from A&H Finance. We had very little knowledge of the process to buy a house here and Berry and his team made sure they were guiding us every step of the way to ensure a smooth process for us.
Marcello Magnaghi
11:42 09 Mar 25
Huge thanks to Berry and Aimee at A&H Finance! They were super quick in reviewing our documents and always ready to help with any questions. Their explanations were clear and made the whole process so much easier.As expats, dealing with finances can be a bit overwhelming, but Berry and Aimee made everything feel smooth and stress-free. If you're looking for a team that’s fast, supportive, and really knows their stuff—especially for expats—A&H Finance is the way to go!
remus bucur
11:12 09 Mar 25
Great team, great work, made the process very easy for me while answering all of my questions!
Leah S
08:47 05 Mar 25
Ilse and Daan provided me with good service on my mortagage applictaion, saved me a lot of efforts during special time. Thanks to you two.
Federico Mejia
08:45 04 Mar 25
Kim and Tim were extremely helpful throughout the entire process. As an expat this was my first time buying a house in the Netherlands and I can say that working with A&H Finance made my life super easy. Great service, I really recommend working with them. :)
Pedro Hernán Lobnik
23:56 27 Feb 25
I am extremely grateful to Ilse and Daan for their support, professionalism and excellent advise! They made the process of buying my first house the smoothest possible experience. I strongly reccomend AH Finance and will continue using their services for important financial decisions in the future.
I N.A
12:06 27 Feb 25
Is absolutely recommended! From the first contact, Iwan helped me excellently. He works very professionally and ensures that everything runs smoothly and correctly. A pleasant experience from start to finish!
Jorik Schröder
09:18 18 Feb 25
Arthur Molijn
21:07 17 Feb 25
At the beginning of 2025, I came across a new-build apartment in Amsterdam for which I wanted a mortgage. Because I also have my current mortgage through AH Finance, it was logical to contact them again. There I came into contact with Iwan Visscher as my previous contact no longer works at AH Finance.I was very lucky with Iwan's excellent service - every day I received an update on where things were and what he needed from me. Iwan thinks along with you, knew my situation better than anyone and clearly indicated what to expect. Not often have I experienced such great service as this time. Obtaining a mortgage is always exciting and if someone can assist you in this, it is very pleasant. Iwan knows everything and knows the rules of the mortgage market like no other. I couldn't have imagined a better trajectory. Highly recommended for anyone who wants to buy a house!
Tarekbyakoub
10:01 17 Feb 25
AH Finance helped us with the mortgage for the purchase of our first home. We were ably helped by Aimee and Berry, who were always ready to answer our questions and were on top of our case. Actively thinking about our options was also something we really appreciated. We would be happy to let A&H Finance advise us again for our next mortgage!
Emily Barendse
10:46 16 Feb 25
Recommended by friends who raved about Robbert's service. He even exceeded our expectations! Robbert thinks along very well and you will be helped with a lot of personal attention and care. We are extremely satisfied and grateful for the great collaboration. Would recommend this to everyone.Greetings, Emily Barendse & Freek van Noortwijk
Bram Zwagemakers
09:54 14 Feb 25
Marcel assisted us very pleasantly and decisively!
Jane Evans
14:09 10 Feb 25
Paul was a pleasure to work with and made the entire process very seamless and took the time to go through and explain everything carefully. Highly recommend.
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