With our real estate financing, you can choose a fixed-interest rate period of 1, 2, 3, 5, 7, or 10 years. Our financing options have a term of 15 years. 

View our current interest rates

The terms real estate financing, rental mortgage, business mortgage and investment mortgage are similar and are used interchangeably.

Real estate financing

This is a general term for real estate financing, for both individuals and businesses. It can refer to:

• Homes for owner-occupancy
• Investment properties (rental)
• Commercial real estate (offices, shops)
• Project development

Real estate financing can therefore include a rental mortgage, a business mortgage or an investment mortgage.

Buy-to-Let mortgage

A rental mortgage is specifically intended for private individuals or investors who purchase a home to rent out.

• Not for private use
• Often a maximum financing of 70-80% of the market value
• Rental income plays a role in financing options
• Higher interest rate than a regular mortgage

Commercial mortgage

A business mortgage is for entrepreneurs who want to purchase a commercial property.

• For offices, shops, catering industry, industrial halls, etc.
• The loan is taken out in the name of a company (BV, VOF, etc.)
• Often a lower financing ratio (50-80%) and higher interest rate than a residential mortgage
• Income and operating results play a major role in the assessment

Investment mortgage

An investment mortgage is intended for financing real estate as an investment (e.g. houses, apartments, commercial properties).

• Suitable for both private and commercial real estate investors
• Rental income is important for financing options
• Own contribution of 20-40% is often required
• Sometimes also possible for real estate projects with a higher risk