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Mortgage calculator

Discover 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 understand just how much you can obtain, and just how much you 'd be paying monthly.

More information about mortgages in the Netherlands

Your mortgage computation

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

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

- A fixed-rate duration of 10 years. A much shorter or longer fixed-rate duration might affect the maximum amount you can borrow on a mortgage.

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

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


Include 100% of the allowances

Allowances and specific benefits can be included fully from 1 July 2024 if they are demonstrably fixed, long-term, payable in cash and have been awarded unconditionally for the applicant's entire work term. This type of information is defined on company's declarations, in employment agreements 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 borrow up to 100% of the value of the residential or commercial property. The optimum amount you can borrow on a mortgage is determined based upon 2 things:

- Your income.

- The value of the residential or commercial property you want to buy.


Buying or leasing

If you are currently renting and exploring your choices to buy a home, and you would like to know how purchasing a home will affect your monthly outgoings, find out using the calculation tool at the top of this page or schedule a free orientation conference to discuss it with a mortgage adviser.

Current mortgage interest rate

The interest you pay on your mortgage impacts your monthly mortgage payment. How much you are charged in mortgage interest depends upon the type of mortgage, the length of time the mortgage rates of interest stands for and the quantity borrowed on the mortgage compared to the value of the residential or commercial property.

Discount on your mortgage rates of interest

You get a discount on the mortgage rates of interest if your monthly income is paid into an ABN AMRO current account. This can be earnings from employment, your advantages, your pension, earnings from your own organization or earnings from rental activities. This discount rate is what we call the 'customer discount'. Your existing account becomes part of a payment plan. The client discount rate is given only on a fixed rates of interest, and it takes result from the start of a brand-new fixed-rate duration.

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

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

Frequently asked concerns about mortgages

How do mortgages work in the Netherlands?

A mortgage is a loan to buy a home. In the Netherlands, you can borrow as much as 100% of the value of the residential or commercial property. If you are looking to buy a home and secure a mortgage for it, initially determine the optimum quantity you can obtain on a mortgage. As quickly as you have done that, you can arrange a complimentary orientation conference to review your options with a mortgage adviser.

If you have currently put in an offer on a home and it has been accepted, we will set up a 2nd conference with a mortgage advisor: the mortgage advice meeting. That is when you choose:

- the Budget Mortgage (Budget Hypotheek) or the Home Mortgage (Woning Hypotheek).

- the mortgage type for payment of your mortgage.

- a repaired or variable interest rate.


Among our mortgage advisors will assist you make these options. Make a consultation and you can come in for a meeting within 24 hr.

Is my bonus factored into the estimation of the maximum amount I can borrow on a mortgage?

Sometimes. In calculating the optimum quantity you can borrow on a mortgage throughout the orientation meeting, the mortgage advisor will look at your wage, however also at any benefits, overtime pay or other kinds of income.

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

This depends entirely on the home you wish to purchase and how much you can borrow based on your income. The additional costs you will sustain are likewise a factor here. Here's how it works: purchasing a home in the Netherlands involves mortgage suggestions, a notary and a residential or commercial property appraisal. These are things you have to spend for yourself. These are extra expenses.
More about buying costs

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

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

If you want to buy a home in the Netherlands, but your earnings is not in euros, however in dollars or pound sterling rather, for example, this need not be an issue. You are still eligible for a mortgage, however the maximum quantity you can borrow will typically be lower.

More about earnings 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 on what kind of short-term residence allow you have. And the mortgage terms and conditions will be different to with a long-term house license.

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