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Mortgage & Lending in Netherlands

Mortgage & Lending regulatory updates from Netherlands.

We track 3 Mortgage & Lending updates from Netherlands regulators, published by AFM. The archive covers 1 enforcement, 1 guidance and 1 regulatory notice. Most recent update: October 2026.

🇳🇱 All Netherlands updates All Mortgage & Lending updates globally 3 updates
🇳🇱 AFM Enforcement

AFM trekt vergunning in van AE Insurance

De Autoriteit Financiële Markten (AFM) heeft op 27 januari 2026 de vergunning van AE Insurance (AEI) voor het adviseren en bemiddelen in onder meer hypothecair krediet ingetrokken. De AFM heeft geconstateerd dat AEI stelselmatig en langdurig overtredingen beging. Daarmee was geen sprake van een beheerste en integere…

Why this matters

The document reports the AFM's revocation of AE Insurance's advisory and mediation licence for mortgage credit, citing non-suitable mortgage advice, dealings with an unlicensed intermediary, failure to report incidents, and facilitation of mortgage fraud.

Sectors:
Mortgage & Lending
Topics:
Authorisation & LicensingConsumer Protection / ConductAML / Financial Crime
Insurance
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🇳🇱 AFM Guidance

Caribbean Netherlands: AFM publishes guideline for mortgage advice in the Caribbean Netherlands

The Netherlands Authority for the Financial Markets (AFM) today publishes the Guidance on Mortgage Advice for the Caribbean Netherlands. Through this guidance, the AFM supports mortgage advisers in providing suitable advice to consumers seeking to enter into a mortgage loan.

Why this matters

This is a guidance publication (not binding law) from the AFM addressing mortgage advice quality in a specific jurisdiction. It clarifies how advisers should comply with existing statutory standards and covers substantive topics (affordability, life events, refinancing, interest rate and climate risks).

Sectors:
Mortgage & Lending
Topics:
Consumer Protection / Conduct
Bank
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🇳🇱 AFM Regulatory Notice

Toetsrente hypotheken vierde kwartaal 2026 is 5%

De Autoriteit Financiële Markten (AFM) stelt elk kwartaal de toetsrente vast voor hypotheken met een rentevastperiode korter dan tien jaar. De toetsrente voor het vierde kwartaal van 2026 bedraagt 5%.

Why this matters

This is an informational announcement of the AFM's quarterly determination of the toetsrente (test rate) for mortgages with fixed-rate periods under 10 years, set at 5% for Q4 2026. The toetsrente is a pre-existing consumer protection mechanism used by mortgage lenders to calculate financing capacity.

Sectors:
Mortgage & Lending
Topics:
Consumer Protection / ConductReporting & Disclosure
Bank
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