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Mortgage calculator

Discover your monthly payment and just how much you can borrow

Curious about your options for buying a home in 2025? Calculate your mortgage and understand just how much you can obtain, and 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 determined based on:

- The annuity mortgage with a 30-year term. If you select a different type of mortgage, the regular monthly payment might alter.
- A fixed-rate duration of 10 years. A much shorter or longer fixed-rate period may 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 rate on the mortgage rate of interest, supplied that your wage is paid into an ABN AMRO account.
- For mortgages under EUR 450,000, we utilize the interest rate for a mortgage covered by the Dutch National Mortgage Guarantee.
Include 100% of the allowances

Allowances and particular advantages can be included fully from 1 July 2024 if they are demonstrably fixed, long-term, payable in cash and have actually been granted unconditionally for the candidate's entire work term. This type of details is defined on company's declarations, in employment contracts 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 as much as 100% of the value of the residential or commercial property. The optimum quantity you can obtain on a mortgage is figured out based on 2 things:

- Your earnings.
- The worth of the residential or commercial property you wish to buy.
Buying or leasing

If you are currently renting and exploring your alternatives to buy a home, and you need to know how buying a home will impact your monthly outgoings, learn using the estimation tool at the top of this page or schedule a complimentary orientation meeting to discuss it with a mortgage adviser.

Current mortgage rate of interest

The interest you pay on your mortgage affects your monthly mortgage payment. Just how much you are charged in mortgage interest depends on the kind of mortgage, for how long the mortgage interest rate stands for and the quantity 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 interest rate if your regular monthly earnings is paid into an ABN AMRO existing account. This can be earnings from work, your benefits, your pension, income from your own business or earnings from rental activities. This discount rate is what we call the 'client discount'. Your bank account is part of a payment bundle. The client discount rate is given only on a set interest rate, and it takes impact from the start of a brand-new fixed-rate period.

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

What should you try to find on a viewing? How does putting in an offer on a house work? And what takes place when you want to secure a mortgage? We will direct you through the process.

Frequently asked concerns about mortgages

How do mortgages operate in the Netherlands?

A mortgage is a loan to buy a home. In the Netherlands, you can borrow approximately 100% of the value of the residential or commercial property. If you are looking to purchase a home and take out a mortgage for it, first determine the optimum quantity you can obtain on a mortgage. As quickly as you have actually done that, you can schedule a totally free orientation conference to go over your choices with a mortgage consultant.

If you have already put in an offer on a house and it has actually been accepted, we will set up a second meeting with a mortgage adviser: the mortgage guidance meeting. 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.
Among our mortgage consultants will help you make these choices. Make a visit and you can come in for a meeting within 24 hours.

Is my benefit factored into the computation of the maximum amount I can borrow on a mortgage?

Sometimes. In computing the maximum amount you can borrow on a mortgage during the orientation meeting, the mortgage advisor will look at your salary, however also at any benefits, overtime pay or other forms of earnings.

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

This depends completely on the home you want to purchase and just how much you can obtain based on your income. The additional expenses you will incur are likewise an aspect here. Here's how it works: purchasing a home in the Netherlands involves mortgage advice, a notary and a residential or commercial property appraisal. These are things you need to pay for yourself. These are additional expenses. More about purchasing costs

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

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

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

More about income in a foreign currency

What if I only have a short-term home permit?

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

You need to discuss this with a mortgage adviser in a complimentary orientation conference. After all, a mortgage consultant knows exactly how this works in your circumstance.