Mortgage calculator for the Netherlands
Estimate monthly payment, buyer costs and the cash gap before a mortgage/adviser check.
Use the estimate for a practical check.
Share only the basics first. The adviser check can focus on the details a calculator cannot verify.
Your first Dutch mortgage estimate
How this calculator worksIndicative 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.
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.
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.
The monthly figure uses a standard annuity payment formula with the interest rate and term you select.
The estimate uses a 2% transfer-tax default plus a rough allowance for notary, valuation, advice and purchase costs.
Available own funds cover estimated buyer costs first. Any amount left reduces the estimated mortgage amount.
The calculator does not check employment type, debts, student loans, lender policy, fixed-rate period rules or personal tax position.
The payment-to-income result is a rough signal. Dutch borrowing capacity follows annual rules and lender checks.
Request a mortgage/adviser check before you use the estimate for a viewing strategy, bid or purchase timeline.
Rijksoverheid explains the role of income and property value in maximum mortgage borrowing.
View sourceBelastingdienst lists the transfer-tax rate used as the default assumption in this calculator.
View sourceRijksoverheid publishes the Nibud mortgage-norm advice used for annual Dutch lending rules.
View sourceWhy 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.
Foreign income, bonuses, temporary contracts, partner income and self-employed income can change the check.
Debts, student loans, lease payments and other commitments can affect how a mortgage request is assessed.
Property value, taxatie, interest-rate period, NHG questions and buying timeline can all matter before you bid.
What happens after you calculate
Estimate
Adjust the price, own funds, interest rate, term and income until the result is close enough for a first check.
Send
Use the adviser-check form and share the details you already know. Do not upload sensitive documents in the first request.
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.
See what changes the monthly payment and what a gross estimate leaves out.
How Orange Fox Dutch Mortgage Calculator worksUnderstand each input, output, Dutch signal and PDF report before you share the result.
Maximum mortgage in the Netherlands for expatsUnderstand why borrowing capacity needs more than a home price and income number.
What a Dutch mortgage calculator can and cannot tell youUse the calculator with clearer expectations before you make a buying decision.
Buyer costs outside a Dutch mortgageUnderstand transfer tax, notary, valuation and advice-cost cash planning.
NHG and energy label mortgage basicsSee when NHG limits, energy label and energy-saving measures may change the estimate.
About Orange FoxSee who is behind the calculator and how the adviser-check boundary works.
Request a mortgage/adviser checkSend the details you already know and ask for the next practical step.
Dutch mortgage calculator FAQCheck common questions about assumptions, buyer costs, maximum mortgage and adviser checks.
HTML sitemapBrowse every public Orange Fox page from one place.
Dutch hypotheek calculatorUse the Dutch-language sister calculator when you prefer hypotheek berekenen terms.
Buying a house in the NetherlandsRead broader English guidance on the Dutch buying process, offers and documents.
Property valuation in EindhovenUse this when the mortgage estimate turns into a taxatie or valuation question.
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.