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Competition intensifies and price differentiation increases in the Dutch residential mortgage loan market


Published: 29 October 2020

Huis in de steigers

Since 2015, the interest rates on interest-only mortgage loans have been higher than those on annuity-based mortgage loans. This price differentiation in mortgage loans provided by banks emerged when non-banks entered the market and banks began to earn less on their mortgage loans. Remarkably, until early 2015, self-employed borrowers paid a higher interest rate compared to those with permanent employment contracts. This difference has disappeared since then.

 Mortgage margin by repayment schedule
Mortgage loan margin by loan-to-value
Mortgage margin by customer status

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