Vista Hypotheken mortgage

Written by: Joost van Herpen

Reviewed by: Roel Wonders

Written on: 4 juli 2024
Dutch version Vista Hypotheken has existed since 2018 and is a subsidiary of Rabobank. Vista Hypotheken wants to keep offering mortgages simple. The mortgage provider also encourages the sustainability of homes.

Vista mainly offers competitive interest rates for longer fixed-rate periods.

I am a Certified Mortgage Planner. I have experience with this provider and know the mortgage conditions. I therefore know exactly what the pros and cons are.

Do you want to know whether Vista Hypotheken is the best provider for you? Then schedule a free consultation with me now.


• Daily interest rate used when signing mortgage deed
• Rent reduction for a home with energy label A
• More opportunities for a doctor in training, scientist and PhD candidate
• Free extension of the validity period of the mortgage offer: 3 months (existing) and 9 months (new construction)
• Repay without penalty with your own money


• An entrepreneur can only take out a mortgage as a self-employed person
• No options with BKR registration A or A1 with recovery notification
• Fewer options for owners of rented properties

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 Vista Hypotheken

Vista Hypotheken is a subsidiary of the Rabobank Group, the largest mortgage provider in the Netherlands. The company mainly focuses on offering mortgages to first-time buyers in the housing market.

What are the funding sources for Vista Hypotheken?

Vista is a so-called “directing party” and therefore lends money from others.

The money that Vista lends mainly comes from pension funds. That is why Vista likes to lend money for the longer term and therefore has lower interest rates for the longer fixed interest periods.

Mortgage interest from Vista Hypotheken

Vista, Venn, Argenta en Lot

Vista Hypotheken mainly offers low mortgage interest rates for longer fixed-rate periods, i.e. 20 and 30 years.

These mortgages are cheap, especially with the Nationale Hypotheek Garantie (NHG) and up to 100% of the market value.

Vista is often a bit more expensive for a fixed interest period of 10 years, but I know of a number of good alternatives.

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

Below are the extensive advantages and disadvantages of this mortgage provider:


  • Vista Hypotheken uses the daily interest principle. This means that if the interest rate has decreased on the date of execution of the mortgage deed, you are eligible for that lower interest rate.
  • Are you a doctor in training, scientific researcher or PhD candidate? In that case, for a temporary contract without a declaration of intent, the current income is used for the mortgage application.
  • At Vista Mortgages you can extend the validity of the mortgage quote from 3 months free of charge. For new construction you can extend by 9 months and for an existing home you can extend by 3 months.
  • At Vista you can make 100% penalty-free repayments if you repay from your own resources.
  • If you own or buy a home with an energy label A, you are eligible for an interest discount.


  • If you have a BKR registration A or A1 with a recovery notification on a practical end date, you are not eligible for a mortgage with Vista.
  • An entrepreneur can only take out a mortgage as a self-employed person. So you can only take out a mortgage with Vista if you have a sole proprietorship without employees.
  • You may own a maximum of 1 rented home in addition to the home in which you live. Rental income is not part of the income for the mortgage application.


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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