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 your mortgage for a holiday home.

See how much you can borrow for a holiday home and which conditions you need to take into account.

Your own holiday home, in the Netherlands or just across the border, appeals to many people. The financing simply works a little differently than for an ordinary home. A holiday home is not your main residence, and that affects how much you can borrow, the interest rate and the tax. Calculate above what is possible and read below what to look out for.

A mortgage for a holiday home: what is possible?

Not every provider finances a holiday home. The range of options is a lot smaller than for regular mortgages, and the banks that do offer it often set extra conditions. On top of that, you can rarely borrow the full purchase price. So it pays to compare the providers carefully before you make a choice.

How much can you borrow for a holiday home?

Expect to pay part of the purchase with your own money. Providers usually finance a holiday home up to around 70 to 80 percent of the value, and sometimes less. You contribute the difference between the purchase price and the mortgage yourself, along with the buyer's costs. If you already own a home with surplus value, you can use that equity to finance the holiday home (partly).

Conditions for the financing

The exact requirements differ per provider, but you will often come across these conditions. They largely concern the property itself:

The home is not movable and is built from brick or concrete.
The property is connected to the usual utilities, such as water and electricity, and has its own sanitary facilities.
The home has a recreational designation; permanent residence is usually not permitted.
Renting out to third parties is not allowed by many providers, or only under conditions.
The term of the mortgage is often shorter than for an ordinary home, typically a maximum of 25 to 30 years.

Tax: the holiday home falls into box 3

Your own home falls into box 1 for tax purposes, with mortgage interest deduction and the imputed home value. A holiday home that you do not use as your main residence falls into box 3 (savings and investments). The value of the home then counts towards your assets, and you may deduct the mortgage debt from that. You cannot deduct the interest.

You also notice the difference when buying. For a home that does not become your main residence, the high transfer tax rate applies instead of the 2 percent for an owner-occupied home. In 2025 that was 10.4 percent; as of 2026 this rate has been lowered to 8 percent. Include those costs in your calculation, because they can add up considerably.

Is a holiday home profitable?

Whether a holiday home is a sensible purchase depends on the full picture: the purchase price, your monthly costs, the maintenance, the insurance, any park fees and the box 3 tax. If you are allowed to rent out the home, rental income can cover part of the costs, but do not count yourself rich too quickly and take into account vacancy and periods when you are there yourself.

Frequently asked questions

Am I allowed to live permanently in a holiday home?

Usually not. A holiday home has a recreational designation, and the municipality's zoning plan determines whether permanent residence is permitted. Often that is not the case. Never simply assume this and check it in advance with the municipality.

Is the mortgage interest for a holiday home deductible?

No. Because the home is not your main residence and falls into box 3, you cannot deduct the mortgage interest. That makes the net monthly costs higher than for a comparable mortgage on your own home.

Can I get NHG for a holiday home?

No. National Mortgage Guarantee is only possible for the home you are going to live in yourself. For a holiday home you cannot make use of it.

Can I use the surplus value of my house?

Yes, that is a commonly used route. With the surplus value of your own home you finance the holiday home in full or in part. Keep in mind that the interest on that extra part is not deductible, because it does not concern your own home.

Expert mortgage advice

Want to know what is possible for your dream spot? Calculate your mortgage above and request a free, no-obligation conversation with a mortgage advisor from HypotheekBerekenen.nl. Also read our tips about a holiday home and a mortgage and about buying a second home.

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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.

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