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Mortgage calculator

Discover your monthly payment and just how much you can obtain

Curious about your options for buying a home in 2025? Calculate your mortgage and know just how much you can obtain, and how much you 'd be paying on a monthly basis.

More details about mortgages in the Netherlands

Your mortgage estimation

The maximum quantity you can borrow on a mortgage is determined based upon:

- The annuity mortgage with a 30-year term. If you decide for a different type of mortgage, the month-to-month payment might change.
- A fixed-rate period of ten years. A much shorter or longer fixed-rate duration may impact the optimum amount you can borrow on a mortgage.
- A 0.20% customer discount rate. We presume that you either already have a bank account with us or will open one. This will give you a discount rate on the mortgage rates of interest, supplied that your income is paid into an ABN AMRO account.
- For mortgages under EUR 450,000, we use the interest rate for a mortgage covered by the Dutch National Mortgage Guarantee.
Include 100% of the allowances

Allowances and particular advantages can be included fully from 1 July 2024 if they are demonstrably repaired, long-term, payable in money and have actually been granted unconditionally for the candidate's whole work term. This type of details is specified on company's statements, in employment agreement or in a customer's Collective Labour Agreement (CLA).

Borrow 100% of the worth of the residential or commercial property

In the Netherlands, you can obtain as much as 100% of the value of the residential or commercial property. The optimum quantity you can obtain on a mortgage is figured out based upon 2 things:

- Your earnings.
- The worth of the residential or commercial property you wish to purchase.
Buying or leasing

If you are presently renting and exploring your alternatives to purchase a home, and you wish to know how purchasing a home will affect your regular monthly outgoings, find out using the estimation tool at the top of this page or schedule a free orientation meeting to discuss it with a mortgage advisor.

Current mortgage rate of interest

The interest you pay on your mortgage impacts your regular monthly mortgage payment. Just how much you are charged in mortgage interest depends on the kind of mortgage, for how long the mortgage rates of interest stands for and the quantity obtained on the mortgage compared to the worth of the residential or commercial property.

Discount on your mortgage rates of interest

You get a discount rate on the mortgage rate of interest if your regular monthly income is paid into an ABN AMRO bank account. This can be income from work, your advantages, your pension, income from your own organization or earnings from rental activities. This discount is what we call the 'client discount'. Your bank account is part of a payment bundle. The client discount is provided only on a set interest rate, and it takes result from the start of a brand-new fixed-rate duration.

Buying a home in the Netherlands: detailed

What should you look for on a viewing? How does putting in an offer on a house work? And what happens when you wish to secure a mortgage? We will assist you through the procedure.

Frequently asked concerns about mortgages

How do mortgages work in the Netherlands?

A mortgage is a loan to buy a home. In the Netherlands, you can borrow approximately 100% of the value of the residential or commercial property. If you are seeking to purchase a home and get a mortgage for it, initially determine the maximum quantity you can borrow on a mortgage. As quickly as you have actually done that, you can schedule a totally free orientation meeting to discuss your options with a mortgage adviser.

If you have actually currently put in a deal on a house and it has actually been accepted, we will set up a 2nd conference with a mortgage consultant: the mortgage recommendations meeting. That is when you pick:

- the Budget Mortgage (Budget Hypotheek) or the Home Mortgage (Woning Hypotheek).
- the mortgage type for payment of your mortgage.
- a fixed or variable rate of interest.
Among our mortgage advisers will help you make these choices. Make an appointment and you can come in for a conference within 24 hr.

Is my benefit factored into the calculation of the optimum quantity I can obtain on a mortgage?

Sometimes. In calculating the optimum quantity you can obtain on a mortgage throughout the orientation meeting, the mortgage consultant will take a look at your income, but also at any bonus offers, overtime pay or other forms of earnings.

Just how much do I require in cost savings to purchase a home?

This depends entirely on the home you desire to purchase and how much you can borrow based on your earnings. The additional costs you will sustain are likewise a factor here. Here's how it works: buying a home in the Netherlands includes mortgage suggestions, a notary and a residential or commercial property valuation. These are things you need to spend for yourself. These are additional costs. More about acquiring expenses

A few of these costs are tax-deductible, you can deduct them from your taxable pay on your income tax return. More about tax breaks

How does it deal with foreign earnings in a different currency?

If you want to purchase a home in the Netherlands, but your income is not in euros, but in dollars or pound sterling rather, for instance, this need not be an issue. You are still qualified for a mortgage, but the optimum amount you can obtain will usually be lower.

More about earnings in a foreign currency

What if I only have a momentary house authorization?

Even then you can be eligible for a mortgage. It depends upon what kind of short-term residence permit you have. And the mortgage conditions will be different to with a long-term residence authorization.

You must discuss this with a mortgage adviser in a complimentary orientation conference. After all, a mortgage advisor knows exactly how this works in your circumstance.