Lot Hypotheken mortgage

Written by: Joost van Herpen

Reviewed by: Roel Wonders

Written on: 1 juli 2024
Dutch version Lot Hypotheken is a new mortgage provider that has been around since 2020.

The mortgage provider mainly focuses on offering mortgages with NHG. They focus on sustainability, for example by offering interest discounts for sustainable homes.

As an experienced mortgage advisor, I know the conditions of Lot Hypotheken. Below I list all the pros and cons and tell you more about the mortgage interest rate. Wondering whether Lot Hypotheken has the best mortgage for you? Then schedule a free meeting with me..


• Use an affordable desktop valuation
• Sustainability mortgage: borrow at a lower interest rate for sustainability
• After all documents have been sent, the mortgage application will be assessed within one working day
• Unlimited penalty-free repayments with your own money
• Automatically moves to a lower risk class when the debt-market value ratio changes
• Because there are 6 risk classes, you are more likely to drop to a lower risk class with a lower interest rate
• Rent discount for sustainable homes and sustainability initiatives


• A mortgage without NHG may be a maximum of €1,000,000
• Income via labor market scan or perspective statement does not count towards maximum mortgage (without NHG)
• Rental income does not count towards the maximum mortgage
• Not possible to take out a mortgage with a family member

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 Lot Hypotheken

Lot Hypotheken has been around since 2020. The mortgage provider is part of NIBC Bank – an investment bank that also owns NIBC Hypotheek.

Lot is a modern provider that wants to make taking out a mortgage easy. In addition, the mortgage provider wants to make it possible to take out the mortgage quickly. The goal of Lot Hypotheken is to offer mortgages that can be taken out without problems and without all kinds of paperwork.

What are the funding sources for Lot Hypotheken?

Lot Hypotheken is a management party, which therefore lends money from other parties.

The money used for mortgages mainly comes from pension funds and institutional investors.

Mortgage interest from Lot Hypotheken?

Lot Hypotheken previously only offered NHG mortgages, but now also offers mortgages without NHG.

Lot’s mortgage interest rate is especially low for the fixed interest periods of 10, 20 and year 30 – and especially for mortgages with NHG.

Lot also offers an interest discount when sustainable homes are purchased or when the borrowed money is used to make a house more sustainable.

Curious about the current mortgage interest rate? View the interest rate and compare it with that of all other providers:

Is Lot Hypotheken reliable?

Lot Hypotheken is located in The Hague, and that ensures trust.

The company behind Lot is NIBC Bank, which also owns NIBC Direct. The history of this bank dates back to 1945. The bank employs approximately 700 employees.

NIBC is the 7th largest mortgage provider in the Netherlands.

The fact that Lot is located in the Netherlands, is part of NIBC Bank and has a long history says something about its reliability.

What is my experience with Lot Hypotheken?

I think Lot Hypotheken is an excellent provider, which does not really stand out in terms of conditions or mortgage interest.

The provider has modern conditions. The acceptance policy is fairly standard, because it is aligned with that of the National Mortgage Guarantee (NHG). The application process is quite simple, because Lot requests fewer documents than many other mortgage providers.

You can also contact Lot Hypotheken if you are an entrepreneur, but have not yet been self-employed for 3 years.

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 of this mortgage provider are described in detail below:


  • You can use a Desktop Valuation for a mortgage application, which is a cheaper alternative to an extensive valuation report.
  • If you want to make your home more sustainable to reduce your energy costs, Lot Hypotheken offers a sustainability mortgage. At a lower interest rate, the customer can borrow a maximum of 35,000 euros, which will be fully repaid within 15 years at the latest.
  • You can take out a mortgage with Lot with and without the National Mortgage Guarantee (NHG). The maximum mortgage amount for a mortgage without National Mortgage Guarantee (NHG) is € 1,000,000.
  • After submitting all documents, your mortgage application will be assessed within 1 working day.
  • An additional repayment with your own money is possible without penalty.
  • The risk class automatically decreases with repayments, both due to monthly repayments and additional repayments. Lot Hypotheken has 6 different risk classes, so you can move to a lower interest rate sooner.



  • Income based on a labor market scan or perspective statement is not included as income for a mortgage without NHG.
  • You cannot include rental income as income for your mortgage application.
  • You cannot take out a mortgage with Lot Hypotheken together with a family member.


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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