Average rate on new Dutch mortgages rises to 3.94%
The average interest rate on new mortgage loans to households reached 3.94% in August 2026, up from 3.87% in July, central bank DNB's figures show.
The average rate on new mortgage loans to households was 3.94% in August 2026, up from 3.87% in July, according to figures from DNB (De Nederlandsche Bank), the Dutch central bank.
The rate has risen every month since March 2026, when it stood at 3.48%. DNB's figures show it went to 3.64% in April, 3.67% in May, 3.73% in June and 3.87% in July.
August's 3.94% is the highest since January 2024, when DNB recorded 4.04%. The peak in the series since December 2022 was 4.13%, in November and December 2023. A year earlier, in August 2025, the rate was 3.49%.
New mortgage rate is at its highest since January 2024
% · Dec 2022–Aug 2026
New mortgage rate is at its highest since January 2024 (%). From 3.4 in Dec 2022 to 3.94 in Aug 2026; highest 4.13 in Nov 2023, lowest 2.77 in Jan 2025. Source: DNB.
View data
| Item | % |
|---|---|
| Dec 2022 | 3.4 |
| Jan 2023 | 3.51 |
| Feb 2023 | 3.58 |
| Mar 2023 | 3.55 |
| Apr 2023 | 3.68 |
| May 2023 | 3.79 |
| Jun 2023 | 3.92 |
| Jul 2023 | 3.95 |
| Aug 2023 | 3.98 |
| Sep 2023 | 4.05 |
| Oct 2023 | 3.82 |
| Nov 2023 | 4.13 |
| Dec 2023 | 4.13 |
| Jan 2024 | 4.04 |
| Feb 2024 | 3.9 |
| Mar 2024 | 3.79 |
| Apr 2024 | 3.84 |
| May 2024 | 3.79 |
| Jun 2024 | 3.8 |
| Jul 2024 | 3.88 |
| Aug 2024 | 3.84 |
| Sep 2024 | 3.85 |
| Oct 2024 | 3.73 |
| Nov 2024 | 3.71 |
| Dec 2024 | 3.65 |
| Jan 2025 | 2.77 |
| Feb 2025 | 3.55 |
| Mar 2025 | 3.46 |
| Apr 2025 | 3.04 |
| May 2025 | 3.52 |
| Jun 2025 | 3.59 |
| Jul 2025 | 3.51 |
| Aug 2025 | 3.49 |
| Sep 2025 | 3.5 |
| Oct 2025 | 3.5 |
| Nov 2025 | 3.48 |
| Dec 2025 | 3.52 |
| Jan 2026 | 3.51 |
| Feb 2026 | 3.56 |
| Mar 2026 | 3.48 |
| Apr 2026 | 3.64 |
| May 2026 | 3.67 |
| Jun 2026 | 3.73 |
| Jul 2026 | 3.87 |
| Aug 2026 | 3.94 |
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