Mortgage calculator Netherlands | Dutch mortgages

Calculate your maximum mortgage

Curious about what you can borrow based on your income? Make a quick calculation using our mortgage calculator Netherlands. Enter your annual salary and if you have a partner, also enter this salary. This way, you know in which direction you can look on Funda. In the outcome of the mortgage calculator, the maximum mortgage for 2023 is presented, so you have an idea of the gross and net monthly costs. Our mortgage advisors are happy to help you get a better understanding of your possibilities and support you in the bidding process.

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Monthly mortgage payments

Annuity mortgage

Every month you pay a fixed amount to the lender that consists of interest and repayment. The monthly gross costs are then the same.

Linear mortgage

Every month you pay a fixed amount in repayment plus interest to the lender. The monthly gross expenses decrease a bit every month.

Gross & net monthly payment

If, according to the Tax and Customs Administration, you pay off the mortgage within a maximum period of 30 years, you are entitled to a mortgage interest deduction for an owner-occupied home. The tax benefit makes the difference between gross and net. For more precise mortgage advice, get one-on-one contact with one of our mortgage advisors rather than using the mortgage calculator Netherlands. We are happy to help you!

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Factors that influence your maximum Dutch mortgage

Ultimate guide

Buying a home is a big financial decision. Understanding your mortgage is an important step in the process. In this guide, you’ll dive into all the factors that influence the maximum mortgage.

Income

Your gross income most of the time consists of your base salary, holiday allowance, commission, personal bonuses and/or 13th month. Be aware that in case of personal bonuses, most providers take the average over the last three years.

Interest rate

The interest rate is an important factor when calculating your mortgage. The amount you can lend with a 10 years fixed rate is different compared to the 20 years rate. Considering variable interest? The bank will calculate with a fictive amount of 5%.

Market value

You are not allowed to lend more than 100% of the market value of the house. The market value (after renovation) is determined by an independent appraiser. Plans to make your house more sustainable? In that case, the maximum is 106%.

Frequently Asked Questions

Can I make use of my 30%-ruling to increase the mortgage amount?

Yes you can!
Some mortgage providers are willing to include this additional income in their calculations. Since your higher net income is temporary, it is often seen that the maximum mortgage only increases with a minimum amount. Nevertheless, that could be just enough to buy your dream house!
The mortgage providers that are willing to include this, all handle a different calculation method. It is therefore wise to get in contact with an adviser of A&H Finance to make sure you know what your options are.

Will my bonus and/or commission be included to calculate my mortgage?

Variable income can be included in your yearly income level to calculate your mortgage capacity.

Most mortgage providers in the Netherlands distinguish two variable income types: commission and bonus.
Commission is defined as personal and based on solely own performance (sales), whereas a bonus could be based on both personal as team or company performance.
Do you receive commission? In that case, we can include the average you received over the past 12 months. Is your variable income a bonus? In that situation, most banks take the average you received over the past consecutive 3 years. Nonetheless, we can always look into the options to include a bonus when it is paid during the last 12 months.

Both variable income components need to be stated on the employer’s statement.

Will a future salary increase be included to calculate my mortgage?

As long as the future increase is within the upcoming six months and declared as unconditional by your employer, most banks are willing to include your higher salary.

Can I get a mortgage during my probation period?

There is no single answer to this question. It will depend on the conditions of the bank.
Overall, most mortgage providers will only provide a final mortgage offer as soon as the probation period is over.

Do you want to apply for a mortgage while you're still in your probation period? Some banks are willing to make an exception. It is advised to get in contact with an adviser of A&H Finance to discuss your situation and compare different providers to get the best solution for you!

Can I get a mortgage with a temporary contact?

An employer's statement is for most mortgage applications required to determine your current income and employment continuation. The intention of your employer to extend your contract will influence the maximum amount you can lend.
Generally, we can divide these two options:

temporary contract with an intention to extend for an indefinite period of time
In this case, your full income will be taken into account to determine your income.
temporary contract without an intention to extend for an indefinite period OR with an intention to extend for a definite period
Due to the fact that your income is not (yet) secure for the upcoming years, the bank will base your total income on the average you received over the past 3 years. The maximum will be the amount you have received in the last year.

There might be other solutions for the specific situation that applies to you. Get in contact with one of our advisors to discuss your options.

Can I use this tool for a buy-to-let mortgage?

Unfortunately, this tool cannot be used when you would like to apply for a rental mortgage. It is advised to get in contact with one of our specialized rental mortgage advisers when you would like to buy or keep your house for rental purposes.
You can find extra information about rental mortgages on this page.

Can I get a mortgage when my salary is paid in another currency?

Yes you can! But there are some differences with applying for a mortgage paid in Euros.

The Mortgage Credit Directive has made a new set of rules to get a mortgage when your salary is paid in another currency. Fluctuations in the exchange rate of the currency you receive your salary in, is an example of the risks that you’ll have for your mortgage payments.
We will make sure that your mortgage instalment will fit according to your income and take the possible risk scenarios into account. Get in touch for more details.

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Monthly mortgage costs and required income

Do you already know how high your mortgage should be?
Have a look at the expected monthly mortgage costs and required income per mortgage amount.

Mortgage € 100.000,- Mortgage € 150.000,- Mortgage € 175.000,- Mortgage € 200.000,- Mortgage € 250.000,- Mortgage € 300.000,- Mortgage € 325.000,- Mortgage € 350.000,- Mortgage € 400.000,- Mortgage € 450.000,- Mortgage € 500.000,-