Average rate on new mortgages rises to 3.94% in Dutch
The average rate on new home loans has risen every month since March, which means households taking out a mortgage now pay more than they would have in spring.
The average interest rate on new mortgage loans to households was 3.94% in August 2026, figures from DNB, the Dutch central bank, show. In March it was 3.48%.
The rate rose in every month in between. A year earlier, in August 2025, the average on new mortgages was 3.49%, so people taking out a home loan now pay a higher rate than a year ago.
The average new mortgage rate has risen every month since March
% · Mar 2026–Aug 2026
The average new mortgage rate has risen every month since March (%). From 3.48 in Mar 2026 to 3.94 in Aug 2026; highest 3.94 in Aug 2026, lowest 3.48 in Mar 2026. Source: DNB.
View data
| Item | % |
|---|---|
| Mar 2026 | 3.48 |
| Apr 2026 | 3.64 |
| May 2026 | 3.67 |
| Jun 2026 | 3.73 |
| Jul 2026 | 3.87 |
| Aug 2026 | 3.94 |
The average stood at 3.64% in April, 3.67% in May, 3.73% in June and 3.87% in July before reaching 3.94% in August.
The August average is higher than in any month from September 2024 onwards. That month it was 3.85%, and by December 2024 it had fallen to 3.65%.
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DNB (De Nederlandsche Bank)
The Dutch central bank. It is part of the European system of central banks and supervises banks, insurers and pension funds.