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Mortgage calculator

Discover your monthly payment and how much you can borrow

Curious about your options for buying a home in 2025? Calculate your mortgage and know 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 calculation

The maximum quantity you can obtain on a mortgage is calculated based upon:

- The annuity mortgage with a 30-year term. If you go with a various type of mortgage, the monthly payment might alter.

- A fixed-rate period of ten years. A shorter or longer fixed-rate duration might affect the optimum quantity 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 offer you a discount on the mortgage rates of interest, offered that your wage is paid into an ABN AMRO account.

- For mortgages under EUR 450,000, we use the rate of interest for a mortgage covered by the Dutch National Mortgage Guarantee.


Include 100% of the allowances

Allowances and specific benefits can be consisted of totally from 1 July 2024 if they are demonstrably repaired, long-term, payable in money and have been granted unconditionally for the candidate's whole work term. This type of info is defined on company's declarations, in employment agreements or in a customer's Collective Labour Agreement (CLA).

Borrow 100% of the value 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 optimum amount you can obtain on a mortgage is identified based upon 2 things:

- Your earnings.

- The worth of the residential or commercial property you desire to purchase.


Buying or leasing

If you are presently renting and exploring your options to purchase a home, and you would like to know how purchasing a home will impact your month-to-month outgoings, find out using the estimation tool at the top of this page or schedule a complimentary orientation meeting to discuss it with a mortgage advisor.

Current mortgage rates of interest

The interest you pay on your mortgage impacts your monthly mortgage payment. Just how much you are charged in mortgage interest depends on the type of mortgage, for how long the mortgage interest rate stands for and the amount obtained 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 rate of interest if your month-to-month income is paid into an ABN AMRO bank account. This can be income from employment, your benefits, your pension, income from your own service or income from rental activities. This discount is what we call the 'customer discount'. Your bank account belongs to a payment package. The client discount rate is given only on a set rate of interest, and it works from the start of a brand-new fixed-rate period.

Buying a home in the Netherlands: detailed

What should you search for on a viewing? How does putting in an offer on a home work? And what takes place when you desire to secure a mortgage? We will guide you through the process.

Frequently asked questions about mortgages

How do mortgages work in the Netherlands?

A mortgage is a loan to purchase a home. In the Netherlands, you can borrow up to 100% of the value of the residential or commercial property. If you are wanting to buy a home and get a mortgage for it, initially compute the optimum quantity you can obtain on a mortgage. As quickly as you have actually done that, you can set up a free orientation conference to go over your choices with a mortgage consultant.

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

- the Budget Mortgage (Budget Hypotheek) or the Home Mortgage (Woning Hypotheek).

- the mortgage type for repayment of your mortgage.

- a fixed or variable rate of interest.


One of our mortgage advisors will assist you make these options. Make a visit and you can come in for a conference within 24 hours.

Is my bonus factored into the estimation of the maximum amount I can borrow on a mortgage?

Sometimes. In computing the optimum amount you can borrow on a mortgage during the orientation meeting, the mortgage consultant will look at your wage, but also at any benefits, overtime pay or other types of income.

How much do I require in cost savings to buy a home?

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

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

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

If you desire to buy a home in the Netherlands, but your income is not in euros, but in dollars or pound sterling instead, for example, this need not be an issue. You are still eligible for a mortgage, however the optimum quantity you can obtain will usually be lower.

More about earnings in a foreign currency

What if I only have a temporary home license?

Even then you can be qualified for a mortgage. It depends upon what kind of short-lived residence allow you have. And the mortgage terms and conditions will be various to with an irreversible home license.

You ought to discuss this with a mortgage adviser in a free orientation meeting. After all, a mortgage consultant understands exactly how this works in your situation.