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Mortgage calculator

Find out your monthly payment and just how much you can borrow

Curious about your choices 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 estimation

The optimum amount you can borrow on a mortgage is computed based upon:

- The annuity mortgage with a 30-year term. If you opt for a different kind of mortgage, the month-to-month payment might alter.
- A fixed-rate period of ten years. A shorter or longer fixed-rate period may affect the optimum amount you can obtain on a mortgage.
- A 0.20% customer discount. We presume that you either currently have a bank account with us or will open one. This will offer you a discount rate on the mortgage rates of interest, provided that your income is paid into an ABN AMRO account.
- For mortgages under EUR 450,000, we utilize the rates 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-lasting, payable in money and have been awarded unconditionally for the applicant's entire employment term. This kind of details is defined on employer's statements, in employment agreements or in a customer'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 obtain on a mortgage is determined based upon 2 things:

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

If you are presently leasing and exploring your options to buy a home, and you would like to know how buying a home will impact your monthly outgoings, learn utilizing the calculation 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 affects your month-to-month mortgage payment. How much you are charged in mortgage interest depends upon the kind of mortgage, for how long the mortgage rate of interest 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 on the mortgage rate of interest if your regular monthly earnings is paid into an ABN AMRO existing account. This can be earnings from employment, your advantages, your pension, earnings from your own service or income from rental activities. This discount is what we call the 'client discount rate'. Your bank account is part of a payment bundle. The customer discount is given just on a set rates of interest, and it works from the start of a new fixed-rate period.

Buying a home in the Netherlands: detailed

What should you try to find on a watching? How does putting in an offer on a home work? And what takes place when you wish to secure a mortgage? We will guide you through the procedure.

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 obtain as much as 100% of the value of the residential or commercial property. If you are seeking to purchase a home and get a mortgage for it, initially determine the maximum amount you can borrow on a mortgage. As soon as you have done that, you can arrange a totally free orientation meeting to review your options with a mortgage adviser.

If you have already put in an offer on a home and it has been accepted, we will establish a second conference with a mortgage adviser: 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 choices. Make an appointment and you can come in for a conference within 24 hours.

Is my reward factored into the calculation of the maximum quantity I can borrow on a mortgage?

Sometimes. In computing the optimum quantity you can obtain on a mortgage during the orientation conference, the mortgage adviser will look at your income, however also at any rewards, overtime pay or other forms of earnings.

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

This depends entirely on the home you desire to purchase and just how much you can obtain based upon your income. The extra expenses you will incur are also a factor here. Here's how it works: buying a home in the Netherlands involves mortgage guidance, a notary and a residential or commercial property evaluation. These are things you need to pay for yourself. These are additional expenses. More about acquiring expenses

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

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

If you wish to buy a home in the Netherlands, however your earnings is not in euros, however in dollars or pound sterling rather, for example, this need not be a problem. You are still qualified for a mortgage, however the maximum quantity you can borrow will normally be lower.

More about earnings in a foreign currency

What if I only have a short-term residence authorization?

Even then you can be eligible for a mortgage. It depends on what type of short-lived residence permit you have. And the mortgage terms will be various to with a long-term residence authorization.

You ought to discuss this with a mortgage adviser in a free orientation meeting. After all, a mortgage consultant understands precisely how this operates in your scenario.