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

5.0
Based on 543 reviews
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Ditbardh Uka
23:47 16 Jan 25
Jeroen Arkenbout
22:09 15 Jan 25
I recently received help with my mortgage from Robbert Brantz from A&H Finance. Robbert was recommended by two family members who were both extremely enthusiastic.This mortgage application is my first, so it is of course very exciting.After all, it involves a lot of money and a significant obligation for the next thirty years.The first conversation was not just about finances as I had expected. They really take the time to get to know you and this makes the advice feel like tailor-made.I won't go into detail about the entire process, that's a bit boring, but here's the positive in brief:- Robbert seems available and busy for you almost day and night.- I didn't have to visit or even speak to a bank myself.- Because you don't pay by the hour, you expect everything to be done very quickly and efficiently. However, that is not the case at all. There is room for a joke and every detail is discussed in detail. Both on the phone and in the office.- The mortgage is complete ;)Furthermore, the office naturally looks beautiful and clean.And thanks to all these reasons, I can highly recommend A&H Finance to anyone looking for mortgage advice.
Stefan de Geus
07:55 15 Jan 25
Well helped by Paul from A&H Finance. Had a personal special issue. Paul was able to help me best with this and ensure that problems regarding a lower maximum borrowing capacity were eliminated and I could still proceed with purchasing a home that was to my own liking. Thank you!
Zeynep Tunalioglu
09:46 14 Jan 25
Working with AH Finance has been an outstanding experience! Both Tim and Berry have been extremely available, very helpful, knowledgable and most importantly very supportive in dealing with the ups and downs Amsterdam housing market!We are very thankful for their help and would wholeheartedly recommend their services to anyone looking for Financial Advice. They are the absolute best!
Starry Night
22:11 13 Jan 25
Ilse and Daan are amazing! They were very knowledgeable and considered our interest seriously. The communication was smooth as well. So I would highly recommend them if you are looking for a mortgage advisor.
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Ditbardh Uka
23:47 16 Jan 25
Jeroen Arkenbout
22:09 15 Jan 25
I recently received help with my mortgage from Robbert Brantz from A&H Finance. Robbert was recommended by two family members who were both extremely enthusiastic.This mortgage application is my first, so it is of course very exciting.After all, it involves a lot of money and a significant obligation for the next thirty years.The first conversation was not just about finances as I had expected. They really take the time to get to know you and this makes the advice feel like tailor-made.I won't go into detail about the entire process, that's a bit boring, but here's the positive in brief:- Robbert seems available and busy for you almost day and night.- I didn't have to visit or even speak to a bank myself.- Because you don't pay by the hour, you expect everything to be done very quickly and efficiently. However, that is not the case at all. There is room for a joke and every detail is discussed in detail. Both on the phone and in the office.- The mortgage is complete ;)Furthermore, the office naturally looks beautiful and clean.And thanks to all these reasons, I can highly recommend A&H Finance to anyone looking for mortgage advice.
Stefan de Geus
07:55 15 Jan 25
Well helped by Paul from A&H Finance. Had a personal special issue. Paul was able to help me best with this and ensure that problems regarding a lower maximum borrowing capacity were eliminated and I could still proceed with purchasing a home that was to my own liking. Thank you!
Zeynep Tunalioglu
09:46 14 Jan 25
Working with AH Finance has been an outstanding experience! Both Tim and Berry have been extremely available, very helpful, knowledgable and most importantly very supportive in dealing with the ups and downs Amsterdam housing market!We are very thankful for their help and would wholeheartedly recommend their services to anyone looking for Financial Advice. They are the absolute best!
Starry Night
22:11 13 Jan 25
Ilse and Daan are amazing! They were very knowledgeable and considered our interest seriously. The communication was smooth as well. So I would highly recommend them if you are looking for a mortgage advisor.
Denga Chamega
12:58 22 Dec 24
We moved in about 4 months ago, but only now managed to write this review. Closing up our to-do list of 2024, this is a task we could not overlook, though. Because not in our wildest dreams we thought we could actually buy a place, and it only happened, without exaggerating, because of Robbert.Robert was warmly suggested to us by a close friend, which led to us actually trusting all the unimaginable possibilities he layed out to us. As migrants, me being ZZP, with tight savings, we got a house with garden in Amsterdam!!It was INSANELY HECTIC, and we are probably still traumatized from sanding all the walls, but these are our walls that are only so because of Robbert.Thank you, Robber!! For your patience with our insecurities, for your responsiveness (sorry for calling so often!!), for your kindness, for all you have done so we could be writing these words in our home.There is nobody on earth we could recommend more than Robbert.
Zena Bos
21:21 16 Dec 24
I was helped very well by Iwan Visscher. Thanks to the good advice and the right preparations, my mortgage was completed within a few days.
Dimitris Nikolopoulos
18:53 16 Dec 24
Getting a housing mortgage is often a stressful experience, but I couldn't have been more at ease and satisfied with the service I received from the AH Finance team. Bas and Berry guided me through the entire process, ensuring that all the documents were in order and everything was progressing as expected. They were always available to answer my questions and provide valuable guidance. I especially appreciated the clear and concise overview they gave me, which helped set realistic expectations every step of the way.
김호경
22:32 09 Dec 24
As a foreigner, I was quite concerned about preparing the necessary documents and communicating effectively during the mortgage process.However, thanks to A&H Finance, I was able to secure mortgage approval quickly and easily.Their convenient system for document uploading, reasonable pricing, prompt support, and the thoughtful care of their friendly staff exceeded my expectations.I highly recommend A&H Finance. Above all, I would like to express my heartfelt gratitude to my dedicated finance adviser, Ms. Kim, who went above and beyond to ensure smooth communication and meticulously guided me through every step of the process until the mortgage approval.
Rivali Dass
14:51 05 Dec 24
As first-time home buyers, we worked with Paul to obtain a mortgage. He was very patient and spent a lot of time walking us through all the things we had to consider for the mortgage. He tailored his advice to our situation and also helped us set up mortgage life insurance and our tax returns. It was well worth the fee!
Chantal Raap
20:45 03 Dec 24
We are very happy with the help of Iwan from A&H Finance. From the first contact he was friendly, clear and professional. He took the time to explain everything thoroughly and really thought along with us, which was a huge reassurance for us during this process for us as starters. We always received a quick and clear answer and would definitely recommend Iwan to anyone looking for a good mortgage advisor. Thanks Iwan for all your help!
Melih Mert
22:23 30 Nov 24
We are strongly recommending A&H Finance who has advised us to purchase a house, and has led our financial planning and mortgage application processes. The team is very experienced in financial planning and advices areas. They are kind, detailed, and responsive professionals, they answered all questions we have come up during the process, made it a very seamless and hassle-free for us. Special thanks to Kim, who has supported us in-person and led our processes during the entire time.
Gijs Kroon
12:13 29 Nov 24
Had a very nice collaboration with Paul. We were well guided from start to finish and the contact was easy, pleasant and understanding. They thought along with us enormously and took the time for us. Every step in the process was explained and discussed together, so we can only highly recommend AH finance and Paul in particular!
Kevin Verbeeten
14:10 26 Nov 24
Received very pleasant cooperation and professional advice. Very satisfied.
Vikas Nale
12:33 26 Nov 24
Recently we work with Robbert Brantz from A&H Finance and it was a great experience!! He & his team is really knowledgeable and always available for any queries with great advice. Thank you for all your support & guidance!
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