When you calculate your mortgage online, you get a number.. but what does it actually mean?
Dutch mortgage calculations are based on strict rules and multiple variables such as income, interest rates, property value and financial obligations. On this page, we explain how a mortgage calculation works in the Netherlands, so you know exactly what lenders look at and why your maximum mortgage is what it is.
Want a calculation based on your real situation?
Our online mortgage calculator is designed to give you a quick and realistic first indication of how much you may be able to borrow. To do this, the calculator is based on a limited number of key inputs:
These factors allow the calculator to estimate your borrowing capacity based on current Dutch mortgage rules.
This calculation provides an initial estimate only. It does not take your full financial situation or specific housing requirements into account.
Those details (including contract type, residence status, lender-specific policies and future plans) are reviewed during a personal mortgage consultation, where we calculate what is actually possible for you.
You can borrow up to a maximum of 100% of a property’s value. If you’re planning sustainable home improvements, you may be able to borrow a maximum of 106% of the property’s value.
As the buyer, you are responsible for paying the estate agent, the notary and the property transfer tax. These costs cannot be included in the mortgage.
