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Switching from SARON to a fixed-rate mortgage

Find out how to switch from a SARON mortgage to a fixed-rate mortgage online, which terms are available and what you should consider before making your decision.

How to switch from SARON to a fixed-rate mortgage

You can convert an existing SARON mortgage into a fixed-rate mortgage directly in Digital Banking, thereby fixing the interest rate for the chosen term.

  1. Open the Financing section in Digital Banking.
  2. Open the details of your current SARON mortgage.
  3. Select “Switch to fixed-rate”.
  4. Select a term and check the interest rate.
  5. Check and accept your offer.
  6. You will then receive your contract to be signed.

What term should I choose when extending my fixed-rate mortgage?

With a fixed-rate mortgage, you choose the term. This determines how long the rate remains fixed for.

  • Longer terms make it easier to plan ahead, as the interest rate remains fixed over a longer period.
  • Shorter terms offer more flexibility and allow you to react to changes in the interest rate sooner.
  • Multiple tranches with different terms can help to combine stability with flexibility.

Choose a term that fits your financial planning and future goals.

Can I make changes to my mortgage when extending online?

Online, you can switch your existing SARON mortgage to a fixed-rate mortgage. Please contact your client advisor if you want to:

  • Change your amortization schedule
  • Modify your tranche structure
  • Increase the size of your mortgage

These adjustments cannot currently be carried out online. Your client advisor will be happy to assist you via Digital Banking.

How are interest rates shown when switching?

Before you accept your offer, you can compare the available interest rates for different terms.

  • The interest rate depends on the selected term.
  • When you switch online in Digital Banking, you benefit from attractive interest rates for your mortgage.
  • You can compare your options before you decide.

Why can’t I extend my mortgage online?

Not every mortgage and client situation is eligible for an online switch. We will check whether this service is available for you.

If the option is not shown in Digital Banking, you will need to arrange a personal consultation. Your client advisor will be happy to help you find the right solution.