Do you have a mortgage with ABN AMRO and are planning to move? Want to rent out your current home? Then the Mortgage for rental property might be right for you. This mortgage gives you our permission to rent out your property, ensuring you comply with the mortgage terms. Read the information below and make a calculation to see what this means for you.
What to find out whether a Mortgage for rental property could be interesting for you and see how it would work out financially in your case? Log in to your personal mortgage environment on Internet Banking and easily calculate your financing.
Eligibility for the Mortgage for rental property is subject to several criteria. The main ones are listed below.
If you convert your ABN AMRO mortgage into a Mortgage for rental property, you will get specific advice. It is very important to us that you get good advice on the risks and other things to bear in mind with respect to your Mortgage for rental property. This is where our specific advice comes in.
ABN AMRO will advise you on:
Mortgage advice is subject to a fee. You are not under any kind of obligation to take ABN AMRO’s advice. You can also go to an independent mortgage adviser for advice on your Mortgage for rental property.
The National Mortgage Guarantee does not cover mortgages on properties that were bought or retained to let. If you want to let your property anyway, the mortgage with National Mortgage Guarantee will have to be converted into one without the National Mortgage Guarantee. After remortgaging, the guarantee will cease to apply. This will have two important consequences:
Besides the monthly payment for your Mortgage for rental property, there are (extra) costs involved in letting a property. These can be costs you pay in one go, or recurring costs. Examples of costs include the following:
No, it is not possible to take out a Mortgage for rental property in combination with a Euribor loan component. This is excluded.
If you move abroad, you can remortgage to a Hypotheek voor verhuur rental mortgage, subject to certain terms and conditions. Please contact your (independent) adviser to find out more. Finding a tenant, managing your property and taking care of the associated administration can be quite a task. If you move abroad, you’re required to engage a property manager. A company that could support you in this is Welocate .
In order to let the property, you need to have permission from us and possibly also from the local council and/or owners’ association (Vereniging van Eigenaren).
There are points for attention and risks related to both the Hypotheek voor verhuur (rental mortgage) and the letting of your property. Your (independent) adviser will discuss this with your during the advisory process and will give you a brochure listing the main risks and points for attention.
Videoconferencing makes it easy. Simply use your computer, smartphone or laptop.
Receive personal, expert mortgage advice to help you make the best decisions.
Client discount of up to 0.2% if you have an ABN AMRO payment package. And a sustainability discount of up to 0.15% when you buy an energy-efficient home or take further sustainability measures.
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