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Mortgage calculator

Find out your monthly payment and how much you can obtain

Curious about your options for buying a home in 2025? Calculate your mortgage and know how much you can borrow, and how much you 'd be paying each month.

More info about mortgages in the Netherlands

Your mortgage estimation

The optimum amount you can borrow on a mortgage is calculated based upon:

- The annuity mortgage with a 30-year term. If you select a various type of mortgage, the month-to-month payment may alter.
- A fixed-rate duration of 10 years. A much shorter or longer fixed-rate period may impact the maximum quantity you can obtain on a mortgage.
- A 0.20% client discount rate. We assume that you either currently have a bank account with us or will open one. This will offer you a discount rate on the mortgage interest rate, supplied that your salary is paid into an ABN AMRO account.
- For mortgages under EUR 450,000, we utilize the rates of interest for a mortgage covered by the Dutch National Mortgage Guarantee.
Include 100% of the allowances

Allowances and particular benefits can be consisted of fully from 1 July 2024 if they are demonstrably repaired, long-lasting, payable in money and have been granted unconditionally for the candidate's whole work term. This kind of information is defined on company's statements, in employment agreement or in a client's Collective Labour Agreement (CLA).

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

In the Netherlands, you can obtain up to 100% of the worth of the residential or commercial property. The maximum amount you can obtain on a mortgage is identified based upon 2 things:

- Your income.
- The value of the residential or commercial property you wish to buy.
Buying or leasing

If you are presently renting and exploring your alternatives to buy a home, and you would like to know how purchasing a home will impact your monthly outgoings, learn using the computation tool at the top of this page or schedule a totally free orientation meeting to discuss it with a mortgage consultant.

Current mortgage rates of interest

The interest you pay on your mortgage impacts your monthly mortgage payment. How much you are charged in mortgage interest depends upon the type of mortgage, how long the mortgage rates of interest stands for and the quantity borrowed on the mortgage compared to the value of the residential or commercial property.

Discount on your mortgage rate of interest

You get a discount rate on the mortgage interest rate if your monthly earnings is paid into an ABN AMRO bank account. This can be earnings from work, your benefits, your pension, earnings from your own organization or earnings from rental activities. This discount rate is what we call the . Your bank account belongs to a payment bundle. The customer discount is provided only on a set interest rate, and it works from the start of a new fixed-rate duration.

Buying a home in the Netherlands: step-by-step

What should you look for on a viewing? How does putting in a deal on a home work? And what occurs when you wish to secure a mortgage? We will assist you through the process.

Frequently asked concerns about mortgages

How do mortgages work in the Netherlands?

A mortgage is a loan to purchase a home. In the Netherlands, you can obtain as much as 100% of the value of the residential or commercial property. If you are looking to buy a home and get a mortgage for it, first determine the maximum quantity you can borrow on a mortgage. As soon as you have done that, you can arrange a totally free orientation meeting to go over your choices with a mortgage adviser.

If you have actually already put in an offer on a home and it has actually been accepted, we will establish a 2nd meeting with a mortgage adviser: the mortgage recommendations meeting. That is when you select:

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

Is my bonus offer factored into the computation of the optimum amount I can borrow on a mortgage?

Sometimes. In determining the maximum amount you can obtain on a mortgage during the orientation meeting, the mortgage consultant will look at your wage, but likewise at any perks, overtime pay or other forms of earnings.

Just how much do I need in cost savings to buy a home?

This depends totally on the home you want to buy and how much you can borrow based upon your earnings. The additional expenses you will incur are likewise an element here. Here's how it works: buying a home in the Netherlands involves mortgage recommendations, a notary and a residential or commercial property evaluation. These are things you have to pay for yourself. These are extra expenses. More about acquiring costs

A few of these costs are tax-deductible, you can deduct them from your taxable pay on your 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 earnings is not in euros, however in dollars or pound sterling rather, for example, this need not be an issue. You are still qualified for a mortgage, however the optimum quantity you can obtain will generally be lower.

More about income in a foreign currency

What if I just have a short-lived residence authorization?

Even then you can be eligible for a mortgage. It depends on what type of temporary home allow you have. And the mortgage terms and conditions will be various to with a long-term house permit.

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