When is it worth refinancing my mortgage?

It mainly pays off when the market rate is well below your own, or when your fixed-rate period is almost up. Do watch the penalty interest and advice costs, as they eat into part of your gain. Our refinancing calculator shows in a few minutes whether it adds up.

What does a mortgage adviser cost?

A first orientation meeting with an independent adviser in your region costs you nothing and commits you to nothing. Only once you actually take advice and arrange a mortgage do you pay for it. You'll hear what that costs upfront, not afterwards.

How does releasing home equity work?

If your home is worth more than your outstanding mortgage debt, you have home equity. You free that money up by increasing or refinancing your mortgage, for instance for a renovation or a gift to the children. Our home equity tool works out how much there is for you.

What is the difference between annuity and linear?

With an annuity mortgage your gross monthly amount stays the same: first you pay mostly interest, later mostly repayment. With a linear mortgage you repay the same amount each month, so your monthly payments slowly fall. Linear is cheaper over the full term, but you start with higher payments.

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We calculate with the 2026 Nibud standards and today's rates. Since 2007 people have run more than 1.4 million calculations here.

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Moving on to a next home with your current mortgage.

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Mortgage application process

Signing Your Mortgage at the Notary (Passeren)

Signing off on your mortgage (passeren) generally coincides with the transfer of ownership of the property. Read more about what this process involves.

Key terms

Cohabitation Agreement (Samenlevingscontract)

A cohabitation agreement is drawn up with your partner when you do not want to get married. Find out how this contract works.

Mortgage application process

Hidden Defects

Hidden defects often only come to light after you have moved in and can have serious consequences. Read how to protect yourself and what to do if you discover one.

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Frequently asked questions

Everything about calculating your mortgage

How much mortgage can I get in 2026?

That mainly depends on your gross annual income, the interest rate, your fixed costs and the mortgage type you pick. The maximum follows from the Nibud standards, which are set again every year. Work it out in two minutes with our mortgage calculator.

What is the current mortgage interest rate?

The rate changes by the day and varies by provider, fixed-rate period and mortgage type. So there is no single "the" mortgage rate. On our rates page you'll find the rates of more than 40 Dutch providers side by side.

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

Certainly. Often it's possible after just one year in business. Most providers look at your average profit over the past one to three years. Make sure your annual figures are in order and keep an accountant's statement with a forecast on hand if needed.

What is the NHG limit in 2026?

In 2026 the NHG limit sits at €470,000. Put money into energy-saving measures and it can rise to €498,200. NHG gives you extra security and usually a lower interest rate. Our calculator shows whether you fall under it.

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