Dutch mortgage calculator

Use our mortgage calculator to get an indicative estimate of how much you may be able to borrow in the Netherlands. Based on your income, household situation and property details, it provides a clear first impression of your potential budget.

Start your mortgage calculation

Get an instant estimate of your borrowing capacity

Calculate your maximum mortgage in the Netherlands

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

You can then continue with a more detailed calculation and download a free PDF summary of your results. If you wish, you can also review the outcome with one of our independent mortgage advisors. The calculation is non-binding and designed to help expats understand their borrowing capacity before starting their property search in the Netherlands.

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 application individually. Several factors can influence how much you may be able to borrow:

Foreign income and exchange rate considerations.
Variable income such as bonuses or freelance earnings.
The 30% ruling.
Residency status and employment contract.
Tax position and obligations.

Online calculators provide an indicative result only. For a more accurate assessment, your full situation needs to be reviewed.

A selection of our trusted partners

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Turn your estimate into a clear mortgage plan

Beyond the calculator

The calculator provides a helpful first indication of your borrowing capacity, but your actual mortgage options depend on more than income alone. Our independent advisors look at your broader financial picture, including savings, tax position and long-term plans, to put the calculation into context.

During a free orientation meeting, we:

Review your calculation and discuss what may be realistic in your situation.
Explain how interest rates, loan terms and mortgage types affect monthly costs.
Clarify expat-specific factors, such as the 30% ruling or foreign income.
Outline possible next steps based on your personal circumstances.

This gives you a clear overview and a structured starting point for your mortgage plans in the Netherlands.

Learn more about our free orientation consultation

Typical additional costs when buying a home

Plan ahead for one-off and recurring expenses

The mortgage amount is only part of the total cost of buying a home in the Netherlands. Additional expenses can 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

Understanding these costs helps you set a realistic budget before buying.

Clear, independent advice on your mortgage options

Ready to take the next step?

The calculator gives you an initial indication of your borrowing capacity. The next step is understanding how this applies to your personal situation.

Our independent mortgage advisors help you review your options and explain how different choices may affect affordability and lender acceptance.

Schedule a free, no-obligation consultation