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Expat mortgage calculator

Calculate your maximum mortgage as an expat. You will receive the results in your email.

Step 1: Situation

* Every day we help 200+ people with a personal expat calculation. The more accurate the data provided is, the more accurate the calculation result will be.

This is what you can expect

  • How much mortgage can I get
  • In which price range can I buy
  • What are the lowest monthly cost
  • What is the lowest interest rate
  • Is refinancing an option

"Glad with the help"

The mortgage adviser spend a lot of time to clarify what a mortgage provider needed from me and how I could properly file this through the internet, very helpful! Everything is increasingly becoming more digital and it is really nice if someone can help you with this.
- Craig on the 20th of December 2019
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About HypotheekBerekenen.nl

Our organisation works nationwide, this means that wherever in the Netherlands you live, our advisors will come to your home to provide you a free mortgage orientation. This means that we can provide our services without expensive office costs which means we can offer the customer lower rates and a more personal service.

Over 280 experienced mortgage advisors stand ready to assist you with a personalized advice. Your personal advisor will guide the whole process from start until end.

Onze klanten beoordelen ons gemiddeld met een 9,3/10!

Calculate your expat mortgage

Calculate your maximum mortgage as an expat. You will receive the results in your email.

With this calculation we will answer the following questions for you:

  • Wat is your maximum mortgage?
  • Which price category can you afford?
  • What will be the monthly costs?

Mortgage calculator for expats

Buying property in the Netherlands can be quite a task. Especially if you don’t know the country very well. Whether you are already living in the Netherlands or planning on moving to the Netherlands in the future, it is wise to look into the different aspects of buying a house and getting a mortgage.

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Most expats find buying a house and getting a mortgage in the Netherlands very hard, but there is no reason to be discouraged. With a little help you will be able to apply for a Dutch mortgage in no time. Our independent mortgage brokers can help you find a tailor-made mortgage which best fits your personal situation.

Mortgage in the Netherlands

If you are moving to the Netherlands or already living here as an expat you are probably wondering if it is possible to buy property. The answer is: yes. You don’t need to be a Dutch citizen to buy property or get a mortgage. But it’s good to be aware of all the conditions and consequences.

If you are new to your job or self-employed you might find it harder to get a mortgage. If you have a non-EU nationality or if you have a low income it can also be a lot harder. Each bank has different requirements, but there is a few general conditions:

  • Lived in the Netherlands for at least six months
  • Valid passport
  • Citizen service number (BSN)
  • (Permanent) employment in the Netherlands
  • Statement from your employer (werkgeversverklaring)
  • Proof of income
  • If you’re self-employed: at least three years of income tax returns and accounts

Mortgage calculator for expats

You want calculate how much the mortgage you can get? On our website you will find an expat mortgage calculator. It gives you an indication of the mortgage you can get. To find out more about the conditions and options you can make an appointment with one of our independent mortgage brokers.

How much can I borrow in the Netherlands?

If you are currently employed in the Netherlands and consider buying a house, the first thing you probably want to know is how much money the bank will lend to you. The amount you will be able to receive depends on your gross income and the value of the property you wish to purchase. On average you are allowed to spend 30% of your monthly earnings on living costs. The mortgage lender will look at the possibilities with your gross year income. So if you are a expat, you can fill in the expat mortgage calculator.

Tip: the gross year salary includes holiday allowance, thirteenth month and potential set allowances and bonusses. Non-recurring or variable bonusses and extras are unfortunately not included. Do you have a partner? His or her income will also contribute to your mortgage. This will not be for the full 100% of his or her income, but will still be an interesting addition which can help you obtain a higher mortgage. All expats who will come to the Netherlands and fill in our form, will receive the mortgage calculation in their email.

All mortgage lenders or banks will use credit scoring methods. They will check the BKR (Bureau Credit Registration) to see if you have any outstanding loans and more importantly, if you have never defaulted on a loan. If you are from or have lived in Germany, Austria, Belgium or Italy, the lender will also do a credit check in that country.

The expat mortgage interest also has an effect on the maximum amount of your mortgage if you live in the Netherlands. Generally, this means that with a lower interest you will get a higher mortgage. Often, the shorter rate fixation period has a lower interest rate. The same goes for a mortgage with NHG, this often leads to a lower interest rate.

Beware! Are you choosing a rate fixation period shorter than 10 years? Most mortgage lenders will calculate your mortgage with a much higher reference rate. This means you will pay a lower mortgage interest but it also means your maximum mortgage is limited.

Comparing banks and mortgage lenders

When you are considering buying a house in the Netherlands it is important to gather some information first. Besides the mortgage calculator it is also useful to find out what the current mortgage rates are from all the mortgage suppliers in the Netherlands. These rates can change from day to day.

Aside from the rates, the conditions of a mortgage also vary depending on the mortgage supplier you choose. You are able to request a comparison between several banks and mortgage lenders made by an independent mortgage broker without any obligations. This mortgage broker has insights in the different possibilities at for instance Rabobank, ING, Argenta and ABN AMRO. The broker will also compare your options with the SNS Bank and Aegon or other mortgage lenders. When going directly to a bank you will have to pay a fee on top of your mortgage. When using a broker you do not pay a fee for the bank, you only pay a fee for the broker. At our website you can use the Dutch expat mortgage calculator.

Keep in mind that the official deeds must be translated to a language you are fluent in by law. This can incur additional costs.

Mortgage interest is tax deductible

When you have a mortgage in the Netherlands, the mortgage interest you pay is tax deductible. However, you do have to meet a number of conditions. If you own a home you can deduct the interest from your taxable income in box 1. However, you do have to meet a number of conditions. Other costs that are associated with the purchase of your house like valuation fees and notary fees, are also deductible.

The terms and conditions of the mortgage interest deduction:

  • The mortgage is for the home that is your main place of residence. Deducting interest for the purchase of a holiday home is not possible.
  • The mortgage will be repaid within 30 years.
  • When you sell the house and have a surplus value you will have to use this surplus to buy a new home.

Provided the new home is bought within three years after selling the old one. Otherwise the mortgage interest will not be deductible.

Beware that owning a home is not only profitable when it comes to the taxes. Before you deduct the interest of your mortgage a part of the home’s value will also be added to the taxable income. This is known as the imputed income from homeownership. The amount that will be added to your taxable income is the percentage of your home’s value for the purposes of the Dutch Valuation of Immovable Property Act (WOZ-waarde).

The expat mortgage calculator

You are able to calculate your maximum mortgage loan while taking into account the most important norms as set by various mortgage lenders. It is a good general indication of the possibilities, which you could use to see if you are able to afford a certain property. Keep in mind that the end result depends on the offers from the various mortgage lenders. The lender will give you a quotation of the final possibilities.

What will you find in the results?

You will receive a detailed result of the mortgage calculation per email with the following information:

Buying your first house/property

  • Startershypotheek (starters mortgage) You could receive up to 20% extra mortgage if you are eligible for a ‘starters mortgage’. (the 'Starterslening' is included here, this is a startersloan distributed by the local municipality).
  • Maximum mortgage (with NHG) The maximum mortgage possibilities you are able to receive with your income. NHG (National Mortgage Guarantee) is a liable financing construction for mortgages which offers protection for your monthly costs and therefore allows you to profit from a mortgage interest deduction.
  • The maximum purchase price (with NHG) The maximum amount you would be able to spend on your new home.
  • Gross monthly costs The gross monthly costs for the maximum mortgage (with NHG).
  • Net monthly costs The net monthly costs for the maximum mortgage (with NHG) are the monthly costs where the mortgage interest already has been deducted.
  • Reference rate The interest rate that is used to calculate your maximum expat mortgage.

There is a possibility that your maximum mortgage will exceed the NHG limit in the Netherlands. This means that you will be able to receive a higher mortgage but will not fall under the protection of the NHG. This will be mentioned separately.

Beware! You are only eligible for a mortgage with NHG when you have the Dutch nationality, you are a EU citizen or you have a permanent residence permit (not temporary). Without the NHG your mortgage interest rate might be slightly higher.

expat mortgage

Moving house (you currently have an owner-occupied house and you are looking to buy a new house)

  • Maximum mortgage (with NHG) The maximum mortgage possibilities you are able to receive with your income. NHG (National Mortgage Guarantee) is a liable financing construction for expat mortgages which offers protection for your monthly costs and therefore allows you to profit from a mortgage interest discount.
  • The maximum purchase price (with NHG) The maximum amount you would be able to spend on your new home.
  • Gross monthly costs The gross monthly costs for the maximum mortgage (with NHG).
  • Net monthly costs The net monthly costs for the maximum mortgage (with NHG) are the monthly costs where the mortgage interest already has been subtracted.
  • Reference rate The interest rate that is used to calculate your maximum mortgage.

There is a possibility that your maximum mortgage will exceed the NHG limit. This means that you will be able to receive a higher mortgage but will not fall under the protection of the NHG. This will be mentioned separately.

Beware! You are only eligible for a mortgage with NHG when you have the Dutch nationality, you are a EU citizen or you have a permanent residence permit (not temporary). Without the NHG your mortgage interest rate might be slightly higher.

Refinancing your mortgage

  • Refinancing rapport An overview of the current mortgage costs in comparison with the new situation. This will take the current low mortgage interest rates.
  • Calculates if the refinancing of your mortgage compensates the possible costs of the refinancing in comparison to your current situation.

You want calculate how much the mortgage can be for an expat?

Expat mortgage calculator

Expat Mortgage Calculator

Frequently asked questions

Can I get a mortgage if I am self-employed? Although it can be more difficult to get a mortgage as an expat, it is definitely possible. As long as you can show the history of your basic income for the last two or three years. The longer you have been self-employed, the higher the chances you will get a mortgage.
What if I want to let the house I buy with a mortgage? Most basic mortgages are meant for houses you will occupy yourself. This means you can’t just rent out the house for long periods of time. If you want to buy a house only to rent it out you can opt for a special buy-to-let mortgage, but these mortgages have higher interest rates than a normal mortgage. Furthermore you will have to invest some of your own money, because you can’t finance the entire house with a buy-to-let mortgage.

Onze klanten beoordelen ons gemiddeld met een 9,3/10!