Dutch Mortgage insights

  • Dutch Mortgages: The window of opportunity is still wide open for bank investors

    In this article we would like to discuss the opportunity in the Dutch residential mortgage market that is still open. Especially bank investors will find this article worthwhile to read, as the fixed rate period of new Dutch mortgage applications is currently in the sweet spot for those type of investors.

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  • Rapid increase in mortgage application volumes

    The 10-year mortgage spread has fluctuated within a range of 70bp, from 110 to 180bp, since the first quarter of 2023. The 20-year moved within a channel between 140 and 200bp in that same period. As illustrated in Figure 1, both the 10-year and the 20-years spreads have recently shifted close to the middle of the range, to approximately 135 and 155bp for 100% LTV loans.  

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