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.

Calculate in 2 minutes
what you can borrow.

Most chosen

Maximum mortgage

Calculate in 2 minutes how much you can borrow for your dream home. Based on income, interest type and existing commitments.

Start calculation

Refinance your mortgage

Save on your mortgage interest

Release home equity

Take money out of your home

Second mortgage

Borrow for renovating or more

Monthly payments

What do you pay per month?

View all calculators

178 reviews Read reviews →

150+ Independent advisers

1.4 mln. Calculations since 2007

Why HypotheekBerekenen.nl

We compare, you choose

Independent

We compare the rates and terms of more than 40 mortgage providers. We don't sell mortgages ourselves, so the outcome is the one that fits you, not a house bank's.

40+ providers compared

Always up-to-date figures

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

1.4 mln. calculations since 2007

Personal advice

Want to talk it through? We'll put you in touch with an independent, certified adviser near you. Free and without obligation.

150+ advisers across the Netherlands

Who is it for?

What's your situation?

Pick your situation and we'll show the calculation and information that actually matter for you.

First-time buyers

Buying your first home. NHG, starter loan and your maximum bid.

From €0 of your own money For first-time buyers

Movers

Moving on to a next home with your current mortgage.

Take your home equity with you For movers

Seniors

Cash in your home equity or take out a senior mortgage.

No age limit For seniors

Self-employed

A mortgage for entrepreneurs, with a flexible look at your income.

From 1 year in business For the self-employed

Mortgage information

Read up before you start

All articles

Buying a home

Valuation report: determining your home's value

An independent appraiser draws up a valuation report to establish the true value of a property. Read more here.

Mortgage application process

What Do 'Kosten Koper' and 'Vrij op Naam' Mean?

When buying a home in the Netherlands you'll come across the terms 'kosten koper' (buyer's costs) and 'vrij op naam' (costs included). Here is what they mean and what they cost.

Mortgage application process

Annual Income as the Basis for Your Mortgage

You can calculate your mortgage based on your annual income. Most providers follow the NIBUD guidelines to determine how much you can borrow.

40+ mortgage providers

We calculate with the rates of Dutch banks and insurers.

All providers

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.

Show more questions

150+ independent advisers across the Netherlands

Want to talk it through with an adviser?

Plan a conversation with an adviser near you. You'll simply hear what's possible, with no strings attached.

Request advice

Calculate in 2 minuteswhat you can borrow.