Mortgage Interest Rates Q1 2026: What This Means for Buyers

Interest rates are falling slightly, giving buyers a bit more breathing room. We explain what this means for your maximum borrowing capacity.

# Mortgage Interest Rates Q1 2026 In the first quarter of 2026, we are seeing a slight decrease in mortgage interest rates. This is good news for buyers: monthly payments are falling, and borrowing capacity is increasing. ## What are we seeing in the market? - 10-year fixed rates hover around 3.4% - 20-year fixed rates around 3.7% - NHG (National Mortgage Guarantee) rates are approximately 0.4% lower ## What does this concretely mean? For a household with a gross annual income of €80,000, the maximum mortgage increases by approximately €12,000 compared to the end of 2025. This opens doors in segments that were previously just out of reach. ## Smart steps to take 1. Request up-to-date mortgage advice 2. Have your financial position assessed before viewings 3. Work with a buying agent who negotiates keenly [Schedule a free introductory meeting](/aankoopmakelaar) and discover your possibilities.