AFM sets mortgage toetsrente for Q3 2026 at 5%
Mortgage providers must apply a 5% toetsrente when calculating financing burden and permitted borrowing for mortgages with rate-fix periods under 10 years in Q3 2026
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AFM
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Change
On 4 June 2026, the Autoriteit Financiële Markten (AFM) set the toetsrente for the third quarter of 2026 at 5% for mortgages with fixed-rate periods shorter than ten years.
Why it matters
The AFM's published 5% toetsrente is the reference for calculating borrowers' financing load and maximum allowable borrowing for mortgages with fixed-rate periods under ten years for Q3 2026. Where the actually offered debetrente exceeds 5%, mortgage providers must use the higher offered debetrente instead when determining financing load and permitted borrowing.
Implications
- — Mortgage providers must calculate borrower financing load and permitted loan amounts for mortgages with fixed-rate periods under 10 years using the AFM's 5% toetsrente for Q3 2026 — failing to apply it produces incorrect affordability calculations on customer files.
- — Mortgage providers must, when the offered debetrente is higher than 5%, use the higher offered debetrente to calculate financing load and permitted borrowing rather than the AFM rate — using the AFM rate in that case overstates allowable borrowing.
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