Interest-only mortgages have long been a popular option for Dutch homeowners, including expats, because of lower monthly payments and flexible financing. However, 2026 brings stricter rules. Leading lenders like Rabobank and their sublabel Obvion or ABN AMRO and their sublabel Florius, are now limiting the maximum proportion of a mortgage that can remain interest-only.

New lender restrictions

  • Rabobank & Obvion: Interest-only mortgages now limited to 30% of the property’s value, with a cap of 150.000 euro interest only.
  • ABN AMRO & Florius: Interest-only mortgages now limited to 30% of the property’s value. On properties up to 1.000.000 euro the maximum interest only loan is 150.000 euro, for properties between 1.000.000 euro and 2.000.000 euro it is 250.000 euro, and for properties valued above 2.000.000 euro it is 500.000 euro.

Ferry, our mortgage expert, explains: “This change is designed to ensure that homeowners repay a significant part of their loan and reduce long-term financial risk.” For home-owners that already have interest only mortgage loan parts, the new restrictions only come into effect when you adjust your mortgage, for example when you move or want to increase your mortgage.

Interest rates and tax implications

Interest-only loans are most attractive when interest rates are low, because monthly payments are smaller, but the Box 1 tax deduction benefit is also reduced. If rates rise, the advantage diminishes, making careful planning essential. Expats with the 30% ruling, foreign or net income, or that have substantial assets in box 3, need tailored advice.

Why it matters for expats

  • Lower interest-only portions mean higher monthly repayments, which affect affordability. 
  • Planning ahead ensures you choose lenders and loan types compatible with your goals. 
  • Early consultation helps prevent delays in mortgage approval, especially for first-time buyers or those using bridging loans. 

For expert guidance on interest-only options and other mortgage strategies, book a consultation today.

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