A rental mortgage (buy-to-let)
Buying a property to rent out in the Netherlands? Learn how a buy-to-let mortgage works, the 2026 conditions, the 8% transfer tax and how much you can borrow.
A rental mortgage (buy-to-let, or "verhuurhypotheek") lets you finance a property you intend to rent out rather than live in yourself, for example keeping your current home as a rental after buying a new one. Two things make it different from a normal home loan: you can usually borrow only 70–75% of the property's value, and as an investor you pay 8% transfer tax (overdrachtsbelasting) on the purchase, down from 10.4% since 1 January 2026. We provide specialised support for investors arranging this kind of finance.
The features of a rental mortgage
- Purpose: The main purpose of a rental mortgage is to buy a property to rent it out to tenants. This can be a flat, house, commercial property or other type of property.
- Lending for Investors: Rental mortgage lenders understand that the risk profile and financial situation of investors are different from that of ordinary homebuyers.
- Interest Rates and Conditions: Interest rates and conditions for rental mortgages may differ from traditional mortgage loans. Interest rates are often slightly higher because of the risk involved.
- Rental Income: When assessing the loan application, lenders may include the potential rental income of the property in assessing the investor's borrowing capacity.
- Collateral: As with regular mortgages, the property purchased is used as collateral for the loan. If the investor defaults on payments, they may lose the property.
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The conditions
Mortgage lenders have their conditions for taking out a rental mortgage:
- You can usually finance up to a maximum of 70 to 75 percent of the (rented) market value, so you bring more of your own money than for an owner-occupied home
- There is a maximum amount you can borrow, partly based on the expected rental income
- The property usually needs a property valuation (taxatie) specifically for letting before the mortgage is granted
Mortgage interest rate
The way the interest rate works for a rental mortgage is similar to how it works for other types of mortgage loans. There are two main types of interest rates:
- Fixed interest rates
- Variable interest rates
A landlord mortgage usually carries a slightly higher interest rate than an owner-occupied mortgage, because the lender's risk is higher. In return it comes with terms suited to letting, and because you often repay interest-only on part of the loan, the monthly cost can stay relatively low against the rental income.
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Frequently asked questions
Typically 70–75% of the property's (rented) market value, with the exact amount also depending on the expected rental income. You fund the remainder, plus buying costs, from your own money.
8% overdrachtsbelasting on the purchase price, reduced from 10.4% on 1 January 2026. The lower 2% rate and the starter exemption apply only when you buy a home to live in yourself, not for a buy-to-let investment.
Usually a little higher than for an owner-occupied mortgage, because letting carries more risk for the lender. The exact rate depends on the lender, the loan-to-value and your situation.
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