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.

40+ mortgage providers

We calculate with the rates of Dutch banks and insurers.

All providers

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

For that reason it is important to first know what your maximum mortgage is. Once you know how much you can borrow, you can search for a home in a more focused way. 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. For this your financial situation is mapped out. 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 the value of a home as a mortgage. If you want to finance sustainability improvements as well, you may borrow extra up to 106% of the value of the home.

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: discover how much you can borrow at most with a free first consultation. Almost every adviser offers a no-obligation and free consultation to discuss your financial situation. They can also help with a tailored calculation.

We work together 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 the National Mortgage Guarantee (NHG)
Whether you should opt 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 fits 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 at most.

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?

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

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

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