Moving on to your next home, without surprises
Moving involves more than your first purchase did: what do you do with your current mortgage, how much home equity do you take with you, and how do you bridge the period between buying and selling? Here are the calculations and information every mover needs.
Calculate your options right away
Maximum mortgage
Calculate in 2 minutes how much you can borrow for your dream home. Based on income, interest type and existing commitments.
Release home equity
Calculate how much equity you can release from your home, without moving. Including the effect on your monthly payments.
Monthly payments
Calculate your expected gross and net monthly payments, including the tax benefit of mortgage interest deduction.
Mortgage advice
Request a free, no-obligation advice consultation and discuss all your options with an independent mortgage adviser.
Port your mortgage or take out a new one?
Many Dutch mortgages include a porting arrangement (meeneemregeling): you take the conditions and interest rate of your current mortgage with you to your next home. That is especially attractive when your current rate is lower than today's rates. If you take out an entirely new mortgage while your fixed-rate period is still running, the provider may charge a fee; read how that works in our article on the refinancing penalty.
Your next home is often more expensive, so porting is usually combined with an additional loan part at today's rate. Calculate your maximum mortgage and your new monthly payments first, so you know your search budget.
What do you do with your home equity?
If you sell your home for more than the outstanding mortgage, you keep the home equity. Using that equity for your next home preserves your full mortgage interest deduction; that is the essence of the Dutch bijleenregeling. Want to know how much equity is in your current home? Calculate your home equity and see what you can take with you.
Buy first or sell first?
If you buy your next home before your current one is sold, your equity is still locked up in the old property. A bridging mortgage makes that equity temporarily available so you can finance the purchase. Do account for double housing costs while both homes are yours, and discuss with your adviser how long you can carry them.
The costs of moving
As a mover you pay 2% transfer tax on the purchase price of your next home (the first-time buyer exemption only applies to buyers between 18 and 35 who have not used it before). On top of that come valuation, notary and advice fees, and possibly a structural survey. Moving is also the moment to finance sustainability improvements: homes with a good energy label come with more generous lending norms.
Calculate first, decide after
Port or refinance, buy first or sell first: the right choice differs per situation and per mortgage. In a free, no-obligation conversation an independent mortgage adviser lines up the scenarios for you. Request a mortgage advice consultation before you list your home or make an offer.
Good to know
- Bridging mortgage
- Accessing or Calculating Your Home Equity
- Mortgage Switching Penalty
- Transfer Tax (Overdrachtsbelasting) in 2026
- Valuation report: determining your home's value
- Structural survey
- Hidden Defects
- Energy Label and Your Mortgage: Borrowing Extra to Go Green
- Making Your Home Sustainable
Frequently asked questions about the mortgage for movers
With most providers you can: that is the porting arrangement (meeneemregeling). You keep your current rate and conditions, usually combined with a new loan part at today's rate if your next home is more expensive. Mind the deadline within which the arrangement must be used.
A temporary loan that makes the equity in your current home available before that home is sold, so you can already finance your next one. Once your old home is sold, the bridging mortgage is repaid from the sale proceeds.
You don't have to, but it is often fiscally wise. If you don't use the equity for your next home, the Dutch bijleenregeling means you lose interest deduction on that part of your new mortgage. An adviser can calculate what that means in your situation.
Yes, for a home you will live in yourself you pay 2% transfer tax. The first-time buyer exemption only applies if you are between 18 and 35, the home costs no more than € 555,000 and you have not used the exemption before.
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.