Mortgage calculator Netherlands

Use our Dutch mortgage calculator to estimate how much you may be able to borrow for a home in the Netherlands. Based on your income, household situation and property details, the calculator gives expats and internationals an instant indication of their maximum mortgage and potential budget.

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Get an instant estimate of your borrowing capacity

Calculate your maximum mortgage in the Netherlands

Our mortgage calculator helps you estimate how much you may be able to borrow based on your personal and financial details. Enter information such as your income, postcode and the expected energy label of the property to receive an instant, indicative result.

The calculation can give you an initial indication of your maximum mortgage and monthly costs. You can then continue with a more detailed calculation and download a free PDF summary of your results. The outcome is non-binding and intended as a starting point. Your final borrowing capacity depends on your personal situation and the lending criteria of the mortgage provider.

Calculate your Dutch mortgage estimate

Get a quick estimate or refine your results

Choose between a basic or detailed estimate

The basic calculation provides a simple indication using a limited number of inputs. This is useful if you are exploring your options at an early stage. The detailed calculation includes additional factors such as:

Age and employment type.
Full income details.
Financial obligations (loans, alimony, ground lease).

This results in a more refined estimate of your borrowing capacity and monthly costs. Final outcomes always depend on interest rates, lender criteria and your personal situation.

Review your results with an advisor

We help expats feel at home in the Netherlands

Why choose for FVB de Boer Mortgages?

How income, tax and residency affect your borrowing

Key factors that influence your mortgage calculation

Dutch lenders assess each mortgage application individually. Factors that may influence how much you can borrow include:

Your income and your partner’s income.
Foreign income and exchange-rate considerations.
Variable income, such as bonuses or freelance earnings.
Existing loans and other financial obligations.
Your employment contract.
Residency status.
The expat scheme (30% ruling) and your tax position.
The property’s energy label.
Current mortgage interest rates.

This can make calculating a mortgage for an expat more complex than simply applying a fixed multiple to your salary. An online mortgage calculator therefore provides an indication rather than a mortgage offer. An advisor can assess your full situation and determine which lenders and lending criteria are relevant to you.

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Turn your estimate into a clear mortgage plan

Beyond the mortgage calculator

Your calculation is a useful first indication of what you may be able to borrow, but your actual mortgage options depend on more than the figure produced by an online calculator. Our independent mortgage advisors can review your calculation in the context of your income, employment, savings, tax position and plans in the Netherlands.

During a free orientation meeting, we can:

Review your calculation and discuss what may be realistic in your situation.
Explain how interest rates, loan terms and mortgage types affect your monthly costs.
Clarify expat-specific factors such as foreign income or the expat scheme (30% ruling).
Outline the next steps towards arranging a mortgage.

Learn more about our free orientation consultation

Typical additional costs when buying a home

Plan ahead for one-off and recurring expenses

Your maximum mortgage is not the same as your total home-buying budget. When buying a home in the Netherlands, additional expenses may include:

Transfer tax (typically 2% for owner-occupied homes)
Notary and registration fees
Property valuation
Mortgage and advisory fees
NHG premium (if applicable)
Moving, furnishing and renovation costs

Most additional purchase and financing costs cannot be borrowed on top of the property’s value and therefore need to be paid from your own funds. Certain renovation costs and energy-saving improvements may be included in the mortgage, subject to the property’s value, your borrowing capacity and the lender’s conditions.

Clear, independent advice on your mortgage options

Ready to take the next step?

Your mortgage calculation gives you an initial indication of how much you may be able to borrow. The next step is understanding how that result applies to your personal situation.

Our independent mortgage advisors specialise in helping expats navigate the Dutch mortgage market. We can review your calculation, explain which factors may affect your borrowing capacity and discuss the mortgage options that may be available to you.

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Frequently asked questions about

Dutch mortgage calculator

How much mortgage can I get in the Netherlands?

The amount you may be able to borrow depends on factors such as your income, partner income, mortgage interest rate, financial obligations and the property itself. Use the mortgage calculator above for an initial indication of your maximum mortgage.

How accurate is a Dutch mortgage calculator?

A Dutch mortgage calculator gives you an indication based on the information you enter. Your final borrowing capacity may differ because lenders apply their own acceptance criteria and take your full financial and personal situation into account.

Can expats get a mortgage in the Netherlands?

Yes. Expats can get a mortgage in the Netherlands, although factors such as residency status, employment contract, foreign income and the currency in which you earn may affect which lenders and mortgage options are available.