Aegon mortgage

Written by: Joost van Herpen

Reviewed by: Roel Wonders

Written on: 1 juli 2024
Dutch version Aegon is a well-known Dutch insurer that also offers mortgages.

Aegon is one of the few providers that has mortgages with all fixed interest periods (up to a maximum of 30 years), for example also for 13 or 17 years.

In 2024, Aegon's mortgage portfolio was taken over by ASR. As an experienced mortgage advisor, I tell you everything about Aegon. Wondering whether Aegon (or ASR) has the best mortgage for you? Then schedule a free meeting with me..


• Take out a mortgage together with a family member
• Take a loan from parents with a refund without any charges towards your mortgage
• Possibilities for new construction
• No minimum market value for a home
• Cheaper desktop valuation possible with mortgage of max. 90% of market value up to €750,000


• Entrepreneur can borrow up to a maximum of 90% of the market value
• After signs of changes, the most current conditions become active
• Additional costs for determining entrepreneurial income via calculation expert
• No options for energy saving budget

Curious about your maximum mortgage? Wondering if this or one of the other 37 mortgage providers has the best rates and terms for you? Schedule a free consultation with me..

Joost en Roel huis

Joost van Herpen & Roel Wonders EHP

About Aegon

Aegon is a Dutch insurer that was founded in 1983 following a merger between AGO and Ennia. The insurer operates internationally and also offers financial products in other countries in Europe, the United States and Asia.

The insurer offers mortgages, but also life insurance, pensions and asset management products.

In 2020, the Dutch parts of Aegon were acquired by ASR. The mortgage portfolio therefore went to ASR in 2024.

Mortgage interest from Aegon

Curious about the current mortgage interest rate of Aegon (and ASR)? View the interest rates and compare them with the interest rates of all other providers:

If this mortgage provider is not the best for you? Then one of the 37 other providers might be better Schedule a free consultation with me to find out.

Extensive pros and cons

The advantages and disadvantages are described in detail below:


  • You can take out a mortgage with Aegon together with a family member (brother/sister or parent/child).
  • A loan from the parents for which the interest and repayment are fully refunded can be included in the mortgage application without any costs.
  • You can apply for a mortgage from Aegon for the following types of new construction: Project construction, private sector construction, self-construction and self-construction. Even if you demolish a home to build a new home, it is possible to take out a mortgage with Aegon under certain conditions.
  • Aegon does not apply a minimum market value for a home. A home with a market value < € 125,000 can only be financed in combination with the National Mortgage Guarantee (NHG).
  • A desktop valuation, cheaper than an extensive valuation, can be used for a mortgage up to a maximum of 90% of the market value and a mortgage < € 750,000.



  • Are you an entrepreneur? Then your mortgage may not exceed 90% of the market value of the home.
  • After every change that you sign for as a customer, the most current general terms and conditions apply to the entire mortgage.
  • An entrepreneur must incur additional costs to have the entrepreneurial income determined by a calculation expert.
  • An energy saving budget is not possible at Aegon.


We do our best to keep the conditions up to date, but mortgage providers may change their conditions. Schedule a free consultation with me so that we can discuss the most current conditions and pros and cons.

Roel Wonders Review
Roel Wonders

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