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Rental mortgage

A mortgage for a property you rent out. Different conditions than a standard mortgage, because you do not live there yourself.

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Buy-to-let mortgage
Specialized financiers
Also non-banking
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Reviews 9.5 / 9.8

What is a buy-to-let mortgage?

A buy-to-let mortgage is intended for a home that you do not live in yourself but rent out. Because the Home Ownership Scheme does not apply, different tax rules and financing conditions apply.

Lenders typically calculate based on rental income and finance a lower percentage of the value than for an owner-occupied home. If you rent out a property with a standard mortgage without permission, you are acting in violation of your terms and conditions.

Buy-to-let mortgage

More about Buy-to-let mortgage

Value, rental income and your own contribution.

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Value, rental income and your own contribution.
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Real estate financiers apply different criteria than regular banks.
Application via the financier
Valuation, assessment, and processing are handled by the financier.

What is taken into account?

The expected rent largely determines what can be financed.

Rental income

The expected rent largely determines what can be financed.

Lower financing rate

Generally, a smaller portion of the value is financed than for an owner-occupied home.

No interest deduction

The property does not fall under the owner-occupied home scheme; the interest is not deductible in Box 1.

Permission required

Renting out with a regular mortgage is generally not allowed without permission.

Rent protection

Sitting tenants have rights that limit your options.

Rental type

Permanent rental, room rental, or temporary rental are assessed differently.

What do you look out for?

✓Rental never without permission from your lender with a regular mortgage.
✓Calculate with a margin for vacancy and maintenance.
✓The interest is not deductible in box 1; the property generally falls under Box 3.
✓Check the municipal rules regarding rental and any permit requirements.
✓Close a landlord insurance af; a standard buildings policy does not always cover renting out.

Frequently asked questions about buy-to-let mortgages

What is a buy-to-let mortgage?
A mortgage for a home that you rent out rather than live in yourself. The terms and tax treatment differ from a regular mortgage.
Am I allowed to rent out my home with a standard mortgage?
Generally not without permission from your lender. Renting out in violation of your terms can have consequences, including foreclosure of the loan.
How much can I borrow?
Lenders typically calculate based on rental income and finance a lower percentage of the value than for an owner-occupied home. As a result, you need more of your own money.
Is the interest deductible?
No. A rented-out property does not fall under the owner-occupied home scheme; the interest is not deductible in Box 1.
What if the house is vacant?
You will then pay the financing costs without rental income. Therefore, include a vacancy margin in your calculation.
Do I need separate insurance?
Yes. A standard buildings insurance policy does not always cover renting out the property. Landlords' insurance is generally more suitable.
Buy-to-let mortgage

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✓Independent: we compare offers from multiple providers side by side.
✓Geen verkooppraatje — wij informeren, u kiest zelf bij welke aanbieder u aanvraagt.
✓For years, the trusted address in Bergen, NH for your insurance.
✓Rated 9.5 and 9.8 by our customers.
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What our customers say about Buy-to-let mortgage

Customers rate Finass Verzekert on average with a 9.5 and the claims handling with a 9.8.

9.5
Customer review
9.8
Claims handling

“Duidelijke uitleg over LTV en wat dat betekent voor mijn eigen inbreng.”

F
Fenna Z.
Investment property

“Prettig dat ook verstrekkers buiten de bank in het overzicht stonden.”

N
Naomi K.
Bank-free financing

“De uitleg over de Buy-to-let mortgage maakte meteen duidelijk wat wel en niet mag.”

E
Esmee E.
Buy-to-let mortgage

“Goed overzicht voor wie een pand aankoopt om te verhuren.”

V
Veerle N.
Leased property

More about real estate

View the other sections within real estate.

Property →

Financing investment properties, commercial properties, or leased real estate.

Investment property →

Buying a property to rent out.

Bedrijfspand →

Buying your own business premises instead of renting.

Buy-to-let mortgage →

A mortgage for a property you rent out.

Bank-free financing →

Financing real estate outside of traditional banks.

Associated insurances

Financing and insurance go hand in hand. Finass Verzekert is your independent advisor for the insurance policies associated with them.

landlord insurance →

For homes that you rent out rather than live in yourself.

Bedrijfspandverzekering →

Coverage for your commercial property or investment property.

Opstalverzekering →

The basis: damage to the building itself.

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