Calculate your Dutch mortgage.
Buying a house in the Netherlands as an expat? See how much you can borrow and what the current interest rates are.
How it works
Three steps to clarity
1
Enter your details
Your income, any partner, and your preferred fixed-rate period. No passport or BSN needed.
2
See your maximum amount
We calculate using the 2026 Nibud standards and the current rates of more than 40 providers.
3
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 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.
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.
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.
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.
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.
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.
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.
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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