When is it worth refinancing my mortgage?

Refinancing can pay off if the current market rate is considerably lower than your rate, or if your fixed-rate period is almost ending. Bear in mind any penalty interest and advice costs. With our refinancing calculator you can work out within a few minutes whether it is worthwhile for you.

What does a mortgage adviser cost?

Through HypotheekBerekenen.nl you can request a free, no-obligation orientation meeting with an independent adviser in your region. Only when you decide to actually take advice and arrange a mortgage are there costs involved. These are discussed clearly in advance.

How does releasing home equity work?

If your home is worth more than your current mortgage debt, you have home equity. You can release it by increasing or refinancing your mortgage. The amount released can be used for a renovation, a gift or other purposes. Use our home equity tool to calculate how much you can free up.

What is the difference between annuity and linear?

With an annuity mortgage you pay the same gross amount each month: a lot of interest at first, more repayment later. With a linear mortgage you repay a fixed amount each month, so your total monthly payments gradually fall. Linear is cheaper over the full term, but the starting payments are higher.

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Buying a home

Owners' Association (VvE)

Living in an apartment building? Then you'll be dealing with a Vereniging van Eigenaren (VvE), the Dutch owners' association. Find out everything you need to know.

Mortgage application process

Maximum Mortgage 2026: How Much Can You Borrow?

How much mortgage can you get in 2026? Discover the two limits that set your maximum, and what raises or lowers your borrowing capacity.

Key terms

BKR Registration

BKR is a central organisation that registers all loans in the Netherlands. Find out what a BKR registration means for your mortgage application.

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Everything about calculating your mortgage

How much mortgage can I get in 2026?

How much you can borrow depends on your gross annual income, the mortgage interest rate, your fixed costs and the mortgage type you choose. The maximum mortgage is calculated using the Nibud standards, which are set each year. With our mortgage calculator you get an indication within 2 minutes based on the current standards.

What is the current mortgage interest rate?

The mortgage interest rate changes daily and varies by provider, fixed-rate period and mortgage type. On our rates page you will always find the most current rates from more than 40 Dutch mortgage providers, so you can compare straight away.

Can I get a mortgage if I am self-employed?

Yes. As a self-employed person you can apply for a mortgage after just 1 year in business. Most providers look at your average profit over the past 1 to 3 years. Make sure your annual figures are up to date and, if needed, that you can provide an accountant's statement with a forecast.

What is the NHG limit in 2026?

The National Mortgage Guarantee (NHG) cost limit for 2026 is €470,000. With energy-saving measures this can rise to €498,200. NHG gives you extra security and often a lower interest rate. In our calculator you can see straight away whether you qualify.

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