Mortgage calculator for the Netherlands

Estimate monthly payment, buyer costs and the cash gap before a mortgage/adviser check.

2 min
Get a first payment estimate
Terms
Dutch mortgage terms explained
NL
Built around Dutch buyer costs

Use the estimate for a practical check.

Share only the basics first. The adviser check can focus on the details a calculator cannot verify.

1
Budget and own funds Target price, savings and expected buyer costs.
2
Income and timeline Income range, buying timing and whether you buy alone or together.
3
Employment situation Permanent, temporary, self-employed or income from abroad.
4
Monthly obligations Student loan, lease car, credit card or other debt context.
5
Property details Known energy label, valuation question or bidding deadline.
6
Question to answer Budget confidence, monthly payment, taxatie timing or next bid step.
7
Follow-up route Share whether email or phone is easiest for the next practical step.
8
No sensitive documents yet Do not send payslips, bank statements, ID documents or BSN in the first request.

Your first Dutch mortgage estimate

How this calculator works
Estimated gross monthly payment €2,329 Orientation signal
Refine your estimate
€525,000
€60,000
4.10%
30 years
€98,000
Estimated mortgage amount €482,000
Buyer costs outside mortgage €17,000
Own funds after costs and buffer €33,000
Payment-to-income signal 28,5%
Loan to valuation 91,8%
NHG quick signal Above quick limit
€525,000
Owner-occupied 2%
2.00%
€6,500
32
No
Yes
Unknown
No
None entered
€0
€10,000
Yes, separately

Indicative estimate only. The calculator uses simplified assumptions and public thresholds. It is not a lender decision, mortgage approval, tax advice or binding financial advice.

What this Dutch mortgage calculator shows

Use the estimate to prepare better questions before a viewing, offer or adviser call. The page keeps the payment, buyer costs and own-funds position close together because those numbers usually shape the next decision.

EUR

Monthly payment first

See the estimated gross annuity payment before you compare homes or talk about a bid.

%

Buyer costs visible early

Transfer tax and rough purchase costs sit next to the payment estimate instead of appearing after the form.

EN

Adviser-check path

Send the details you already know and ask for the next practical step before the result affects your buying plan.

Calculator assumptions

This page keeps the assumptions visible because a mortgage calculator can feel more precise than it is. A lender or adviser still needs to check the details behind your income, property and obligations.

Annuity-style payment

The monthly figure uses a standard annuity payment formula with the interest rate and term you select.

Buyer costs outside mortgage

The estimate uses a 2% transfer-tax default plus a rough allowance for notary, valuation, advice and purchase costs.

Own funds first cover costs

Available own funds cover estimated buyer costs first. Any amount left reduces the estimated mortgage amount.

No lender decision

The calculator does not check employment type, debts, student loans, lender policy, fixed-rate period rules or personal tax position.

Income signal only

The payment-to-income result is a rough signal. Dutch borrowing capacity follows annual rules and lender checks.

Ask before bidding

Request a mortgage/adviser check before you use the estimate for a viewing strategy, bid or purchase timeline.

Dutch mortgage basics

Rijksoverheid explains the role of income and property value in maximum mortgage borrowing.

View source
Transfer tax

Belastingdienst lists the transfer-tax rate used as the default assumption in this calculator.

View source
2026 norms context

Rijksoverheid publishes the Nibud mortgage-norm advice used for annual Dutch lending rules.

View source

Why request a mortgage/adviser check

The calculator is useful for orientation. Ask for a human check when the number affects a viewing, offer or purchase plan.

Income details

Foreign income, bonuses, temporary contracts, partner income and self-employed income can change the check.

Obligations

Debts, student loans, lease payments and other commitments can affect how a mortgage request is assessed.

Property and timing

Property value, taxatie, interest-rate period, NHG questions and buying timeline can all matter before you bid.

What happens after you calculate

01

Estimate

Adjust the price, own funds, interest rate, term and income until the result is close enough for a first check.

02

Send

Use the adviser-check form and share the details you already know. Do not upload sensitive documents in the first request.

03

Follow up

The request can be reviewed and followed up with the next step for your mortgage or buying situation.

Learn the details behind the estimate

Use the calculator as the first screen, then read the support pages when one part of the estimate needs more context.

Have a number you want checked?

Send the details you already know. The follow-up can focus on the questions a public calculator cannot answer safely.

Request my mortgage check