Mortgage calculator Netherlands

If you consider buying a house in the Netherlands, you want to enter the real estate market well-informed and confident. We are happy to give you insight into your possibilities based on your personal situation. Just give a call for a first free quote.

Would you like a quick indication first? Then you can use our mortgage calculator. This tool calculates the maximum mortgage you can get by incorporating multiple factors.

Welcome to A&H Finance

Reach out to one of our mortgage advisers to identify your mortgage possibilities.

Call us on +31 (0)20-4651951 or fill in the contact form.

Factors that influence your maximum mortgage

There are multiple factors that influence your maximum mortgage capacity. Have a look at the most common or reach out to us for a detailed mortgage calculation.

  • Income

    Your income influences the maximum mortgage you can get. The gross income consists of your monthly salary, provision, personal bonuses, holiday pay, and, for example, a 13th month. Bonuses are calculated as the average of the past consecutive three years.

  • Entrepreneur

    If you are an entrepreneur, we always recommend getting in contact with our advisors to get a clear picture of the gross income on which the bank will base its calculations. If you own a sole proprietorship, you need to be active as an entrepreneur for at least an entire year. If you have been an entrepreneur for longer than three years, then you can calculate your average profit for the last three years. Call us for more detailed information on: +31 204 651 951.

  • Mortgage interest rates

    The interest of your mortgage will also be taken into account when calculating the maximum mortgage. Currently, the interest rates are rising. This causes an increase in your monthly costs, which could negatively impact the amount of mortgage you can get. Reach out, to identify what your monthly mortgage costs could be.

  • Value of the house

    The value of the house that you are looking to buy also affects your maximum mortgage. The mortgage cannot be more than 100% of the appraised value of your new house. If you have plans to make the house more sustainable, you can finance up to 106% of the house with a mortgage.