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Mortgage calculator

Learn your month-to-month payment and how much you can borrow

Curious about your alternatives for purchasing a home in 2025? Calculate your mortgage and know just how much you can obtain, and just how much you 'd be paying every month.

More info about mortgages in the Netherlands

Your mortgage calculation

The maximum amount you can obtain on a mortgage is computed based on:

- The annuity mortgage with a 30-year term. If you select a different kind of mortgage, the month-to-month payment may alter.

- A fixed-rate duration of ten years. A shorter or longer fixed-rate period might affect the maximum quantity you can borrow on a mortgage.

- A 0.20% customer discount rate. We assume that you either already have a bank account with us or will open one. This will give you a discount rate on the mortgage rate of interest, supplied that your income is paid into an ABN AMRO account.

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


Include 100% of the allowances

Allowances and particular advantages can be included totally from 1 July 2024 if they are demonstrably repaired, long-term, payable in money and have actually been awarded unconditionally for the applicant's entire employment term. This type of info is specified on employer's declarations, 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 approximately 100% of the worth of the residential or commercial property. The maximum quantity you can borrow on a mortgage is figured out based on two things:

- Your earnings.

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


Buying or leasing

If you are currently leasing and exploring your options to purchase a home, and you need to know how purchasing a home will impact your regular monthly outgoings, learn using the estimation tool at the top of this page or schedule a free orientation meeting to discuss it with a mortgage adviser.

Current mortgage interest rate

The interest you pay on your mortgage impacts your regular monthly mortgage payment. Just how much you are charged in mortgage interest depends on the type of mortgage, for how long the mortgage rates of interest is valid for and the quantity obtained on the mortgage compared to the worth of the residential or commercial property.

Discount on your mortgage interest rate

You get a discount rate on the mortgage rate of interest if your month-to-month earnings is paid into an ABN AMRO bank account. This can be income from work, your advantages, your pension, income from your own business or earnings from rental activities. This discount is what we call the 'customer discount'. Your present account is part of a payment package. The customer discount is offered just on a fixed rate of interest, and it takes result from the start of a new fixed-rate period.

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

What should you search for on a watching? How does putting in an offer on a house work? And what happens when you wish to secure a mortgage? We will direct 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 borrow up to 100% of the worth of the residential or commercial property. If you are seeking to purchase a home and secure a mortgage for it, initially determine the optimum quantity you can borrow on a mortgage. As quickly as you have done that, you can arrange a totally free orientation meeting to discuss your options with a mortgage adviser.

If you have currently put in an offer on a house and it has actually been accepted, we will set up a 2nd meeting with a mortgage consultant: the mortgage recommendations conference. 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 consultants will assist you make these options. Make an appointment and you can come in for a meeting within 24 hours.

Is my perk factored into the estimation of the optimum amount I can borrow on a mortgage?

Sometimes. In determining the optimum quantity you can obtain on a mortgage throughout the orientation meeting, the mortgage adviser will look at your wage, but likewise at any benefits, overtime pay or other types of earnings.

How much do I need in savings to purchase a home?

This depends entirely on the home you desire to purchase and how much you can borrow based on your income. The extra expenses you will sustain are likewise an element here. Here's how it works: buying a home in the Netherlands involves mortgage guidance, a notary and a residential or commercial property valuation. These are things you have to pay for yourself. These are extra expenses.
More about acquiring expenses

Some of these costs are tax-deductible, you can deduct them from your taxable pay on your income tax return.
More about tax breaks

How does it work with foreign earnings in a different currency?

If you wish to purchase a home in the Netherlands, however your earnings is not in euros, but in dollars or pound sterling instead, for instance, this need not be a problem. You are still qualified for a mortgage, however the maximum quantity you can obtain will generally be lower.

More about income in a foreign currency

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

Even then you can be eligible for a mortgage. It depends upon what kind of temporary house allow you have. And the mortgage conditions will be different to with a permanent residence permit.

You need to discuss this with a mortgage consultant in a free orientation meeting. After all, a mortgage consultant knows exactly how this operates in your circumstance.