Transfer a mortgage
When can you transfer your mortgage?
Many mortgages have a similar portability scheme. Combined, you can transfer (part of) your current mortgage, including rent and conditions, to your new home. This can be interesting if you have a mortgage with a low interest rate. Transferring a mortgage is not always as simple as it sounds. The bank’s rules, the value of your new home, and your current financial situation all play a role.
It is wise to carefully check in advance what is possible regarding your current mortgage and your wishes for a future home. This way, you know where you stand financially before making an offer.
Good
to know
Buying a next home involves more than just transferring a mortgage. Below, you will find information you can use during this process.
If your home is worth less than your mortgage and you sell the house, a residual debt arises. You must pay off or refinance this debt. Sometimes you can piggyback on this in a new mortgage.
Are you buying a more expensive house than your current home? Then you often need an additional mortgage. Are you selling your house with equity? Then you can usually use that amount for your new home.
When you refinance your mortgage while your fixed-rate period is still running, the bank may charge penalty interest. This fee compensates for the interest the lender misses out on because you are leaving early.
The interest you pay on your mortgage is often deductible for income tax purposes. As a result, you receive a portion of the paid mortgage interest back from the Tax and Customs Administration annually (or monthly). The amount of this mortgage interest deduction depends on the interest you have paid, your income, the type of mortgage you have, and the value of your home.
Mortgage advice for your next home
Buying a subsequent home brings different questions compared to purchasing a first home. What happens to the current mortgage? What about equity? Do I need an additional mortgage to purchase my new home?
We help you get everything clear. Personal, independent, and without complicated jargon. This way, you can take the next step toward a new home with confidence!
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Mover
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Advice for your next home purchase
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Advice for your next home purchase as an entrepreneur
OHA
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Advice for your first or next home purchase (please note: starting price excl. surcharge of €250 for documentation)
Key terms / Mortgage types
Interest-only mortgage
Linear Mortgage
Annuity Mortgage
Release from Joint Liability (OHA)
Interest deduction
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