The Dutch Authority for the Financial Markets has published a draft update of its 2011 Mortgage Advice Guide and invited market participants to comment. The revised guide is positioned as practical guidance on what good advisory practice can look like to meet legal requirements, rather than as binding regulation. The draft places the role of the adviser throughout the advice process more centrally and aims to describe more concretely how existing standards can be applied in practice. It also adds or expands topics including sustainability and relationship termination, and puts greater emphasis on asking follow-up questions, for example where there are inconsistencies. Comments can be submitted until 23 January 2026. After the consultation, the AFM plans to publish the final guide in spring 2026 alongside a feedback statement explaining how responses were handled.

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