Knab review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Knab Hypotheek suits Dutch owner occupiers who want a straightforward fixed rate mortgage from a direct lender and who can wait 4-6 weeks for funding. Borrowing reaches up to €1,500,000 at a maximum loan to value of 100%, and the origination fee adds 0.4% on top.

Key facts

Best for
Dutch owner occupiers wanting a fixed rate mortgage borrowing up to €1,500,000.
Initial rate
3.43% (Source, checked September 26, 2026)
Fixed period
2 years (Source, checked September 26, 2026)
Maximum loan to value
100% (Source, checked September 26, 2026)
Purpose
Purchase, Remortgage, First-time-buyer (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Legal entity
BAWAG AG Branch Netherlands (Source, checked September 26, 2026)
Headquarters
Netherlands (Source, checked September 26, 2026)
Founded
2012 (Source, checked September 26, 2026)
Support channels
Phone, Email, Help-centre (Source, checked September 26, 2026)
Official website
knab.nl

Loans

APR
3.42% to 4.92% (Source, checked September 26, 2026)
Loan amount
up to €1,500,000 (Source, checked September 26, 2026)
Term
12 to 360 months (Source, checked September 26, 2026)
Funding time
4-6 weeks (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Eligibility
Minimum age 18 and resident in the Netherlands; apply with at most two people; Knab Hypotheek only for a home in the Netherlands that you live in yourself (Source, checked September 26, 2026)
Origination fee (%)
0.4% (Source, checked September 26, 2026)
Loan types
Secured (Source, checked September 26, 2026)
Legal entity
BAWAG AG Branch Netherlands (Source, checked September 26, 2026)
Headquarters
Netherlands (Source, checked September 26, 2026)
Founded
2012 (Source, checked September 26, 2026)
Support channels
Phone, Email, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate

Apps and profiles

Get the app
App Store
Elsewhere
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Pros and cons

Pros

  • Initial rate of 3.43% sits under the site median of 4.35%
  • Maximum loan to value of 100% ranks 4 of 293 across the site
  • Originates with a fee of 0.4% on the amount borrowed
  • Support runs on phone, email and help centre through the application

Cons

  • The fixed period of 2 is short and ranks 214 of 259 on the site
  • Only for a home in the Netherlands that you live in yourself
Knab

Ready to try Knab?

Scored 9.1 / 10 by BorrowCue.

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Who it suits

  • Dutch residents buying a home to live in
  • Anyone remortgaging an existing Dutch home on a fixed rate
  • Borrowers who can cover the origination fee of 0.4% in their budget

Who should look elsewhere

  • Buyers wanting a lower rate than 3.43%, so compare Prestalo at 2.36%
  • Borrowers wanting a longer fixed period than 2, so compare Prestalo on rate type
  • Applicants wanting a home outside the Netherlands or one they let out

Who runs it

The lending business runs through BAWAG AG Branch Netherlands, a branch registered in the Netherlands, and the Knab brand was founded in 2012. Head office sits in the Netherlands. Questions during an application go to phone, email and help centre, so phone, email and a help centre are all listed. The same branch signs off the offer, which keeps the mortgage with a single named lender.

How Knab compares

Where Knab is available

Available
Netherlands
Licence in Netherlands
De Nederlandsche Bank (DNB) / ECB, checked September 26, 2026
Licence in Netherlands
Autoriteit Financiele Markten (AFM), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What rate does Knab Hypotheek offer?+

The initial rate is 3.43% and the effective cost runs 3.42% to 4.92%. Only fixed rates are offered, held for a fixed period of 2. A fixed rate keeps the monthly payment steady for that period, then the rate is reset when the period ends.

What fees does Knab charge for a mortgage?+

Knab charges an origination fee of 0.4% on the amount borrowed for the Knab Hypotheek, on top of the interest. That is the main cost beyond the rate itself, so budget for it alongside your monthly payment and check the figure against the 3.43% headline rate.

How much can I borrow from Knab?+

Borrowing reaches up to €1,500,000 against a maximum loan to value of 100%. That ranks 4 of 293 across the site, so less of your own money goes in. Repayment terms run 12 to 360.

Who can apply for a Knab Hypotheek?+

Applicants must be adults resident in the Netherlands, and the mortgage is written for a couple applying together rather than a group. It covers a home in the Netherlands that you live in yourself, so a property you let out or a home abroad sits outside those terms.

What is a Knab mortgage used for?+

The mortgage serves purchases, remortgaging and first time buyers, so it fits both new and existing owners. It is a secured loan, with the home as security against the debt. Remortgagers use it to change rate or lender while keeping the same property.

Is Knab regulated in the Netherlands?+

Yes. Knab operates in the Netherlands under De Nederlandsche Bank (DNB) / ECB and Autoriteit Financiele Markten (AFM). The lending business sits with BAWAG AG Branch Netherlands, a named Dutch branch, so the supervision is attached to a legal entity rather than a trading name.

How long does a Knab mortgage take to complete?+

Funding takes 4-6 weeks from application to money. That window is worth weighing against the fixed period of 2, because a short rate period can arrive before you want to refinance. Start early if your move date is fixed, and ask what the lender needs from you at each step.

How do I get help from Knab during an application?+

Support runs on phone, email and help centre, so phone, email and a help centre are all available. That mix suits people who read first and call when a decision is due. Support sits with the same branch that issues the offer, which is BAWAG AG Branch Netherlands.

Sources

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APRC.

Knab

Knab

Dutch owner occupiers wanting a fixed rate mortgage borrowing up to €1,500,000.

9.1/10See alternatives

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