The Dutch Authority for the Financial Markets has set the mortgage stress test rate for the fourth quarter of 2026 at 5%. Mortgage providers must use the quarterly rate to calculate financing burdens and permitted financing burdens for mortgages with an interest rate fixed period of less than 10 years, helping assess whether borrowers could absorb higher payments after that period ends. If the borrowing rate offered to the customer is higher than 5%, the provider must use that higher rate instead. The rate is based on a market share weighted average of rates charged by at least five of the six largest mortgage providers. The calculation uses 10-year fixed rate annuity mortgages with no discounts or guarantees and a maximum loan-to-value ratio of 100%, with market shares determined from Land Registry data on the number of mortgages originated.
2026-09-14Dutch Authority for the Financial Markets
Dutch Authority for the Financial Markets sets fourth quarter 2026 mortgage stress test rate at 5%
The Dutch Authority for the Financial Markets has set the fourth quarter 2026 mortgage stress test rate at 5% for mortgages with an interest rate fixed period of less than 10 years. Providers must use the higher of this rate or the borrowing rate offered to the customer when calculating financing burdens and affordability limits.