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.

Calculate in 2 minutes what you can borrow.

Enter your income and instantly see an indication of your maximum mortgage.

When you are about to buy a home, the most important question is: what is your maximum mortgage? Many people start by browsing homes on Funda or a similar website. That is a logical first step and, let's be honest, also the most fun one.

For that, it helps to first know what your maximum mortgage is. Once you know how much you can borrow, you can search for a home more specifically. Online you can easily get a good indication of what you can borrow. Do keep in mind: for an accurate calculation it is best to speak with an adviser.

Maximum mortgage

A number of factors play a role in calculating your maximum mortgage. The most important ones are listed below:

Your income
Your partner's income
Age
Type of employment
Your financial obligations (for example a personal loan)
Own money
Any home equity from a previous property
The market value of the home
The appraisal value of the home
Current mortgage interest rate

Calculate online how much you can borrow

To know what you can borrow, it is best to have a tailored calculation made. This involves mapping out your financial situation. You can start by making an online calculation for an indication of your maximum borrowing capacity.

That way you know roughly how much you can borrow and the search for a home can begin. You can borrow up to 100% of a home's value as a mortgage. If you want to finance sustainability improvements as well, you may borrow extra up to 106% of the home's value.

You can make an indicative calculation through our form. After that, we will get in touch to make a tailored calculation. That way you know exactly how much you can borrow and the house hunt can begin.

Calculating your mortgage amount with an adviser

Tailored mortgage advice: find out how much you can borrow at most with a free first consultation. Almost every adviser offers a free, no-obligation conversation to discuss your financial situation. They can also help with a tailored calculation.

We work with around 300 advisers throughout the Netherlands. We match you with the adviser who can best answer your questions. During the consultation you will discover, among other things:

Your maximum mortgage
The best interest rate
Whether or not to take out a National Mortgage Guarantee (NHG)
Whether you should go for a linear, annuity or interest-only mortgage.

The best mortgage provider

Choosing the best provider does not only depend on the cheapest or most popular provider. The most important thing is that the provider matches your specific situation and wishes.

Every provider focuses on a different target group. Some banks focus on entrepreneurs, while others are a better fit for first-time buyers. Always bring in an adviser, so that all banks are compared with each other. That way you have the best chance of finding the best mortgage for you.

We offer an overview of providers and work with independent advisers to choose the best mortgage. Want to know what you can get at most? Then calculate right away what you can borrow.

Expert mortgage advice

Want to know more about your mortgage options? Request a free, no-obligation orientation consultation with a mortgage adviser from HypotheekBerekenen.nl.

How it works

Three steps to clarity

Enter your details

Your income, any partner, and your preferred fixed-rate period. No passport or BSN needed.

See your maximum amount

We calculate using the 2026 Nibud standards and the current rates of more than 40 providers.

Talk it through with an adviser

Want to dig deeper? We connect you, with no obligation, to an independent adviser near you.

What you get

A clear picture straight away

No sales talk, no obligations. Just the figures you need to move forward.

On a single screen you see

The full result of your calculation, clearly laid out and in plain English.

Your maximum mortgage amount
The matching gross and net monthly payments
An indication of the interest rate per fixed-rate period
Whether NHG is achievable for your situation

Frequently asked questions

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.

Show more questions

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