Our mortgage products
NIBC offers you a choice between two mortgage products. Compare and choose which mortgage suits you best.
Compare our mortgage products
Other NIBC mortgage products
Investment mortgage
Investing in a property to rent out is a good alternative to a savings account. Read more about the NIBC Investment Mortgage.
Real Estate Mortgage
The NIBC Real Estate Mortgage is the mortgage for residential real estate. We offer solutions for professional investors, from small to large.
Commercial real estate
You can come to us for the financing of offices, retail, commercial real estate, logistics, parking, residential projects, healthcare, and hotels, and for the (re)financing of mixed real estate portfolios starting from 5 million euros.
What is your (income) situation?
Voor starters met zowel een vast contract als een tijdelijk contract met een intentieverklaring tot ‘vast dienstverband’ geldt een gelijke behandeling als reguliere aanvragen.
Temporary worker : Are you employed through a temporary employment agency and do not have a permanent contract? Then we offer the possibility to still apply for a mortgage with the help of a prospective employment statement.
Flex worker : do you have a variable income or temporary employment without a letter of intent? You might still qualify for an affordable mortgage with the help of the labor market scan.
Flexible income : if you have a temporary contract, whether or not with a letter of intent for a 'fixed' period, we consider this as income from a flexible employment relationship.
Flex worker : do you have a variable income or temporary employment without a letter of intent? You might still qualify for an affordable mortgage with the help of the labor market scan.
Flexible income : if you have a temporary contract, whether or not with a letter of intent for a 'fixed' period, we consider this as income from a flexible employment relationship.
Are you working as a GP in training, a trainee lawyer, or a PhD candidate? Specialists in training can also count on tailored mortgage options from us. Discuss the possibilities with your mortgage advisor.
Are you a driven starter with your own business? Fantastic news! Even with just 12 months of entrepreneurial experience, you can already benefit from a tailor.
Don't worry, even as a first-time buyer with student debt, you can qualify for a mortgage. However, the amount of your student debt does affect the maximum amount you can borrow . A mortgage advisor can calculate what this means for you.
Why a NIBC mortgage?
Maximum mortgage
The maximum mortgage amount for the NIBC Mortgage is €1,500,000, and for the NIBC Extra Mortgage it is even €2,500,000, up to 100% of the market value.
Automatic interest rate reduction upon repayment
At NIBC, paying off is rewarded. If you make (extra) repayments on your mortgage (without NHG), your interest rate automatically drops as soon as you fall into a lower risk class.
Best Mortgage Lender 2026
We have been named the best mortgage lender in the Netherlands by independent mortgage advisors. And naturally, we are incredibly proud of that!
Find a mortgage advisor
Do you want to know if a NIBC mortgage suits you, or do you want to know exactly how much you can borrow? Then go to an independent mortgage advisor . A mortgage advisor will review your personal situation and provide you with tailored advice.
You can easily make an initial appointment via our website; the first (orientation) consultation is often free.
Make an appointment You can easily make an initial appointment via our website; the first (orientation) consultation is often free.