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Calculate your home equity.

See how much equity you can release from your home and what that does to your monthly payments.

More and more homeowners are using the equity in their home to create financial possibilities. Equity is the difference between the current market value of your house and the outstanding mortgage amount. Releasing this value can be a smart financial move, especially in times of rising house prices.

What is home equity?

Equity arises when the value of your house is higher than your mortgage debt. If your home is worth €400,000, for example, and you still have €150,000 left on your mortgage, then the equity is €250,000. Normally you benefit from this when you sell the property, but you can also gain access to this value earlier without selling your house.

Why release home equity?

Using your equity can offer various benefits:

  • Renovating your home: make your house more modern or extend it for more comfort.
  • Topping up your pension: arrange extra income during your retirement years.
  • Major expenses: finance large purchases such as a new car or a dream holiday.

Calculate your equity

Use our online tool to calculate straight away how much equity you can release. You receive an estimate and can then be contacted to go through the details.

1. Can I release the equity in my home?

If the sale value of your house is higher than the remaining mortgage debt, you have equity. With rising house prices, there is a good chance that your house has increased in value since you bought it. It is worth cashing in equity when it amounts to at least 50 to 60 percent of the property value.

2. How can I use my equity?

There are several reasons to make use of the equity in your home:

  • Renovating the property
  • Topping up your pension
  • Buying a second home
  • Supporting (grand)children
  • Building up assets
  • Paying off expensive loans
  • Buying a luxury item such as a sailing yacht

An independent financial adviser can help you make the best choice for your situation.

3. Three ways to release home equity

3.1 Releasing equity with a loan from the bank

With ample equity, the bank can provide a loan, where in addition to the equity your income is also taken into account. A well-known option for pensioners is the equity release mortgage, also known as the equity release mortgage (opeethypotheek).

3.2 Using equity with a loan from the municipality

Through the Stimuleringsfonds Volkshuisvesting (SVn), the municipality offers loans such as the Blijverslening and the Verzilverlening. These loans have specific conditions and are suitable for homeowners on a low income.

3.3 Cashing in equity with a sale and rent back

You sell your home to an organisation and rent it back via the so-called sale-and-lease-back method. You receive a large part of the property value directly and then pay rent.

4. Additional borrowing scheme

When you sell your home, the equity must be used for a new mortgage in order to keep your tax benefits. This is the so-called additional borrowing scheme (bijleenregeling).

5. Calculating the equity in your home

Calculating the equity in your home can easily be done online. Consider the options together with a financial adviser and make a plan that fits your wishes and financial situation.

Use our online tool and discover how much equity you can release. Take the first step towards financial freedom by making use of the value in your home.

Expert mortgage advice

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

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.
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