Regulatory Alerts2026-02-24
AFM Consumer Monitor Mortgage Owners Q4 2025
The Dutch Authority for the Financial Markets (AFM) published the Q4 2025 Consumer Monitor for Mortgage Owners, based on survey data from October 2025. The report reveals that the median outstanding mortgage debt has risen to approximately €185,000, with significant increases observed among younger and middle-aged homeowners. Additionally, the study highlights a growing preference for annuity mortgages over interest-only loans and notes that nearly 30% of homeowners with equity are interested in utilizing it for additional borrowing or lump-sum payments.
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