Maximum mortgage calculator
With our mortgage calculator, you can easily calculate your Dutch mortgage online. This way, you immediately know the budget within which you can look at houses. Useful if you are looking for a house to buy, or if you are just curious: how much mortgage can I get in the Netherlands?
-
The largest comparison
Our online mortgage calculator compares more than 40 providers, including your own bank.
-
1 million customers
Our experienced mortgage advisors have helped over 1 million people to buy a house.
-
Over 40 years of experience
De Hypotheker is the oldest and largest independent mortgage broker in the Netherlands.
Want to know more?
Have you found your dream house and do you want to know which steps are next? Check out the following pages for more useful information about Dutch mortgages.
Calculate your monthly mortgage repayment
When you find the house you would like to purchase, it's only natural that you want to know what your monthly payment will be. With our mortgage payment calculator you can easily calculate your monthly mortgage costs based on your preferred or required mortgage.
Want to do more than just calculate your maximum mortgage?
At first you probably only wanted to calculate what your maximum mortgage would be. Now that you have calculated how much mortgage you can get here in the Netherlands, you may want to know more. Below you will find additional information to help you prepare properly for taking out a Dutch mortgage.
1
What is the current mortgage interest rate?
What is the current mortgage interest rate?
2
How much can I borrow? Mortgage rules 2025
How much can I borrow? Mortgage rules 2025
In 2025, you can borrow a maximum of 100 per cent of the house value. This means that you have to pay additional costs, such as the buyer's costs, with your own money. If you want a mortgage with National Mortgage Guarantee, the home can have a value of up to €450,000 in 2025.
Frequently asked questions about our online mortgage calculator
Calculating a maximum mortgage online requires a bit of work. We're here to help you along the way. Here you can find questions our clients often ask us about the online mortgage calculator.
How does the maximum mortgage calculator work?
With our maximum mortgage calculator, you can calculate your mortgage payment. The mortgage calculator uses data you enter (such as your income and any outstanding loans or debts) and the current interest rates to calculate the maximum amount you can lend for a mortgage. This calculation is an indication, so you know within which price range you can look for houses. We advise you to also make a (non-committal) appointment with one of our mortgage advisers. The advisor will map out your entire (financial) situation and take the time to advise you properly on your maximum mortgage and other issues such as your house insurances.
How much do you need for a down payment for a house in the Netherlands?
When you take out a mortgage, there are a number of costs involved. Since 1 January 2018, you can no longer co-finance these extra costs in your mortgage. You therefore need your own money when you buy a house. You have to think of an amount of about four to six percent of the purchase price.
I am self-employed. How can I calculate my maximum mortgage?
In our calculator, we have taken self-employed people into account. Next to the input field for the gross annual salary, you will see a calculator icon. If you click on it and then select "I am self-employed", the module for self-employed persons will appear. Here you can enter your annual figures so that we can calculate your maximum mortgage.