Compare Mortgages
Current rates from banks that accept multiple buyers. Compare conditions and find the best match for your group.
0 mortgages found
Found a bank? Arrange your agreements now
Arrange your agreementsFrequently Asked Questions
Essential knowledge for your group mortgage. Last updated: June 3, 2026.
Verified by Gijs
Founder & Group Expert
Group mortgages for 3 or 4 persons are fully possible in the Netherlands with banks like Triodos, ING, and Rabobank. Each participant can become owner of different parts of the house.
Source: Rabobank - Buying with friends
Rabobank, Triodos, and ING currently lead the market in accepting up to 4 persons. Other major banks primarily focus on 2 persons in their standard processes.
Source: Triodos - Group Mortgage
Yes, you can get NHG if the property falls within the cost limit and you meet income conditions, regardless of the number of owners (up to 4 in some cases).
Source: NHG.nl - Official Norms
Traditional parental guarantees are virtually impossible for group mortgages now. Alternatives like gifts or private family bank loans are more viable options for increasing your starting capital.
Subletting is typically prohibited by the 'rental clause' in mortgage deeds. Banks see this as a risk to the resale value. Always ask for explicit permission first.
Source: ING - Room Rental Rules
There's no fixed minimum, but banks look for stable income. Often 3 months on a permanent contract or an employer's statement of intent for temporary ones is required.
Current & Expert: Our insights are based on the latest acceptance policies of Dutch lenders and our own practical experience (as of April 2026).