# 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.

Housing · published 2026-10-23 10:34 · https://nlnow.nl/a/average-rate-on-new-dutch-mortgages-rises-to-3-94/

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** (%; source: DNB)

- 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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