Calculate your maximum Dutch mortgage

With our mortgage calculator for the Netherlands, you can estimate how much you may be able to borrow. This is useful if you want to buy a house, compare renting and buying, or prepare for a mortgage application.

Your maximum mortgage depends on several factors, including:

• Your gross annual income
• Your partner’s income, if applicable
• Existing debts or loans
• Student debt
• Private lease contracts
• Credit card limits
• The mortgage interest rate
• The fixed-rate period
• The value of the property
• The energy label of the home
• Your residence status, if you are an expat

The calculator gives a first indication. For an exact calculation, personal mortgage advice is always recommended.

How much can I borrow in the Netherlands?

In the Netherlands, your maximum mortgage is mainly based on two limits: your income and the value of the property.

First, the lender checks whether the monthly mortgage payments are affordable based on your income. Second, the lender looks at the market value of the property. In most cases, you can finance up to 100% of the property value with a mortgage.

This means that additional buying costs usually need to be paid from your own savings. These costs may include mortgage advice, notary fees, valuation costs, transfer tax, and other purchase-related costs.

Mortgage calculator for expats

Are you an expat buying a house in the Netherlands? Then your mortgage calculation can be slightly different. Dutch lenders may look at extra details, such as your residence permit, employment contract, probation period, salary currency, and how long you have been living or working in the Netherlands.

Some lenders are more flexible with expat mortgage applications than others. That is why a personal calculation can make a big difference.

You can also read more on our page about a mortgage for expats in the Netherlands.

What affects your maximum mortgage?

Your income is important, but it is not the only factor. A mortgage lender also checks your financial obligations. Even small monthly payments can reduce the amount you can borrow.

Common factors that can lower your maximum mortgage include:

• Personal loans
• Car finance or private lease
• Credit card debt
• Overdraft facilities
• Student debt
• Alimony payments
• Other long-term financial obligations

A higher mortgage interest rate can also reduce your borrowing capacity, because your monthly payments become higher. A lower rate can increase your maximum mortgage.

Mortgage calculation and monthly payments

Your maximum mortgage tells you how much you may be able to borrow. Your monthly payments show what the mortgage will cost each month.

Your monthly payment depends on the mortgage amount, interest rate, mortgage type, and fixed-rate period. For most new buyers in the Netherlands, the most common repayment types are the annuity mortgage and the linear mortgage.

With an annuity mortgage, your gross monthly payment stays the same during the fixed-rate period. With a linear mortgage, you repay more at the start, so your monthly payments are higher in the beginning and decrease over time.

Mortgage interest deduction in the Netherlands

If you buy a home in the Netherlands and live in it yourself, you may be eligible for a mortgage interest deduction. For most new mortgages, the loan must be repaid on an annuity or linear basis within 30 years.

This tax benefit can affect your net monthly costs. The mortgage calculator gives an indication, but the exact tax effect depends on your personal situation. A mortgage advisor can calculate both your gross and net monthly payments.

Buying a house with NHG

Depending on the property price, you may be able to buy a home with National Mortgage Guarantee, known in Dutch as Nationale Hypotheek Garantie or NHG.

NHG can reduce the risk for both you and the lender. In many cases, a mortgage with NHG also comes with a lower interest rate. Whether you qualify depends on the purchase price, mortgage amount, and NHG conditions.

Why use our mortgage calculator?

Our mortgage calculator helps you prepare before you start viewing homes or making an offer. It gives you a better idea of your price range and helps you avoid looking at properties that do not fit your budget.

You can use the calculator to:

• Estimate your maximum mortgage
• Check whether buying is realistic
• Prepare for a mortgage appointment
• Compare different income situations
• Understand your buying budget
• Start your house search with more confidence

Need an exact mortgage calculation?

A mortgage calculator is a useful starting point, but it is not a mortgage offer. Every lender uses its own acceptance criteria. Your final mortgage also depends on your documents, the property valuation, and the lender’s assessment.

Hypotheek Platform can calculate your maximum mortgage, compare lenders, and help you choose a mortgage that fits your situation. We provide independent mortgage advice and can help you in English.

Book a free appointment with one of our mortgage advisors and find out how much you can borrow in the Netherlands.

Frequently asked questions about the mortgage calculator in the Netherlands

How much mortgage can I get in the Netherlands?

Your maximum mortgage depends on your income, debts, mortgage interest rate, and the value of the property. In most cases, you can borrow up to 100% of the property value.

Can expats use the Dutch mortgage calculator?

Yes, expats can use the calculator for a first indication. For an exact expat mortgage calculation, it is best to speak with a mortgage advisor because lenders may apply additional requirements.

Is the mortgage calculator available in English?

The calculation module is currently in Dutch. You can book a free appointment in English if you want personal help with your mortgage calculation.

Can I borrow more than the property value?

In most cases, the mortgage cannot be higher than 100% of the property value. There may be extra borrowing possibilities for energy-saving improvements, depending on the situation and lender.

Are buying costs included in the mortgage?

Usually, additional buying costs are not fully included in the mortgage. You often need savings to pay costs such as notary fees, valuation costs, advice costs, and transfer tax.

Does the calculator show my monthly mortgage payments?

The calculator gives an indication of your mortgage possibilities. For a detailed overview of your gross and net monthly payments, a personal mortgage calculation is recommended.