Mortgage Calculator Netherlands

Thinking about buying a home in the Netherlands? Whether you’re just browsing or already house hunting, knowing your budget is the smartest first step. Our mortgage calculator helps you instantly estimate how much you can borrow, and what your monthly repayment might look like.

With just a few inputs, you’ll get real-time results based on current Dutch lending rules. No sign-up. No hassle. Just clarity.

Ready to find out what you can afford? Start calculating above.

Calculate Your Mortgage in the Netherlands: Fast, Free and Accurate

Knowing how much you can borrow is a crucial part of buying a home, and in the Netherlands, your mortgage options depend on strict income-based calculations. Our tool helps you estimate both your maximum loan amount and your monthly mortgage repayment, based on your income, interest rate and loan term.

It reflects Dutch rules for 2025, so you get a realistic starting point, whether you’re buying alone or with a partner.

Want to dive deeper into mortgage types, eligibility, or down payment rules? Read our full mortgage loan Netherlands guide for a complete overview.

Buying Alone or With a Partner? We’ve Got You Covered

In the Netherlands, whether you buy alone or together has a big impact on how much you can borrow. When applying jointly, mortgage lenders look at your combined gross annual income, which can significantly increase your borrowing capacity.

If you’re buying with a partner, our calculator lets you add both incomes to get an accurate estimate of your maximum mortgage. But if you’re buying on your own, it will adjust the calculation accordingly, based on your individual income and repayment ability.

Either way, you’ll get a clear picture of what’s possible, instantly.

Understanding Your Mortgage Options

When applying for a mortgage in the Netherlands, most buyers choose between two repayment types: annuity or linear. Both are accepted by Dutch lenders, but the financial impact over time can differ significantly.

With an annuity mortgage, you pay a fixed monthly amount consisting of both interest and principal. In the beginning, the interest portion is high, but it gradually decreases while your equity increases.

A linear mortgage, on the other hand, repays the principal evenly over time. This results in higher payments upfront but lower total interest paid in the long run.

If you’re unsure which model fits your situation, our article about mortgage loans in the Netherlands compares them in detail.

Want to Know What You Can Borrow?

Dutch mortgage rules in 2025 are clear: you can generally borrow up to 100% of the property’s market value, provided your income supports it. That means your salary plays a central role in determining your borrowing capacity.

As a rule of thumb, lenders use a loan-to-income ratio based on gross annual income, age, and interest rate. Below is an example of how much you might be able to borrow based on a fixed interest rate and standard terms:

Gross Annual Income	Buying Alone	Buying with a Partner
€35,000	~€165,000	~€280,000
€50,000	~€235,000	~€390,000
€70,000	~€325,000	~€520,000
€90,000	~€410,000	~€660,000

These figures are meant as general guidance. Use the calculator above to run your own numbers with exact values.

How Much Down Payment Do I Need?

In the Netherlands, you can typically finance 100% of the property’s value with a mortgage. However, you’ll still need to cover additional purchase costs yourself. These costs are not included in the mortgage and must be paid out of pocket.

Typical out-of-pocket costs include:

• Transfer tax (2% for existing homes)
• Notary and registration fees
• Valuation report and advice fees
• Bank and mortgage arrangement fees

On average, you should expect to bring between 4% and 6% of the property price in savings. For a €300,000 home, that’s roughly €12,000 to €18,000 in upfront costs.

If you’re a first-time buyer under 35, you may qualify for a transfer tax exemption under certain conditions, which can lower your required savings.

I’m Self-Employed – Can I Calculate My Maximum Mortgage?

Absolutely. If you’re self-employed in the Netherlands, you can still use our mortgage calculator to estimate how much you may be able to borrow. The key is to enter your average net annual income from the past 1 to 3 years, depending on your financial history.

Most Dutch lenders assess self-employed income by averaging the last three years of tax-declared earnings. If your income has fluctuated, they will usually take the lowest figure as the base for your mortgage calculation.

So when using the calculator:

• Add your verified average income, not just the latest year
• If buying with a partner, include their income too
• Select realistic interest and term values that match lender offerings

While the calculator can’t account for every detail (like recent business growth), it gives you a fast and reliable estimate to start with. For tailored advice, a mortgage advisor can help review your documents in more depth.

Calculate Your Monthly Mortgage Repayment

Knowing your monthly repayment is just as important as knowing your borrowing limit. It helps you plan your budget, compare mortgage offers, and decide how much risk you’re comfortable with.

Our calculator shows your estimated monthly cost, based on:

• The loan amount
• The interest rate
• The loan term (in years)

Here’s a quick example of how monthly repayments might look for different loan amounts at 4.5% interest over 30 years:

Loan Amount	Estimated Monthly Repayment
€200,000	~€1,013
€300,000	~€1,519
€400,000	~€2,026
€500,000	~€2,532

These estimates include principal and interest only. Property taxes, insurance, and service fees are not included and vary per property.

Use the calculator at the top of this page to test different amounts and interest rates that reflect your own situation.

How to Lower Your Monthly Payment

Your monthly mortgage payment can be adjusted by changing a few key variables. If your initial calculation shows a repayment that feels too high, consider the following strategies:

• Choose a longer loan term
  Extending your mortgage from 20 to 30 years reduces monthly payments, though total interest will increase.
• Make a larger down payment
  The more you pay upfront, the less you borrow, and the lower your monthly cost.
• Secure a lower interest rate
  Even a small difference (e.g. 4.5% vs. 4.0%) can cut hundreds of euros off your yearly payments. Compare lenders carefully.
• Reduce your loan amount
  Consider buying slightly below your max budget to allow financial breathing room.

Try different combinations in the calculator to see how each change affects your monthly cost in real time.