Mortgage calculator
Find out your monthly payment and how much you can borrow
Curious about your options for buying a home in 2025? Calculate your mortgage and know how much you can borrow, and how much you’d be paying every month.
More information about mortgages in the Netherlands
Your mortgage calculation
The maximum amount you can borrow on a mortgage is calculated based on:
- The annuity mortgage with a 30-year term. If you opt for a different type of mortgage, the monthly payment may change.
- A fixed-rate period of 10 years. A shorter or longer fixed-rate period may affect the maximum amount you can borrow on a mortgage.
- A 0.20% client discount. We assume that you either already have a current account with us or will open one. This will give you a discount on the mortgage interest rate, provided that your salary is paid into an ABN AMRO account.
- For mortgages under € 450,000, we use the interest rate 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 employment term. This type of information is specified on employer’s statements, in employment contracts or in a customer’s Collective Labour Agreement (CLA).
Borrow 100% of the value of the property
In the Netherlands, you can borrow up to 100% of the value of the property. The maximum amount you can borrow on a mortgage is determined based on two things:
- Your income
- The value of the property you want to buy
During a free orientation meeting, one of our mortgage advisers will explain how much exactly you can borrow, and how we calculate the maximum amount you can borrow on a mortgage, including how we factor in things such as variable pay, overtime pay and bonuses.
Buying or renting
If you are currently renting and exploring your options to buy a home, and you want to know how buying a home will affect your monthly outgoings, find out using the calculation tool at the top of this page or schedule a free orientation meeting to discuss it with a mortgage adviser.
Current mortgage interest rate
The interest you pay on your mortgage affects your monthly mortgage payment. How much you are charged in mortgage interest depends on the type of mortgage, how long the mortgage interest rate is valid for and the amount borrowed on the mortgage compared to the value of the property.
Discount on your mortgage interest rate
You get a discount on the mortgage interest rate if your monthly income is paid into an ABN AMRO current account. This can be income from employment, your benefits, your pension, income from your own business or income from rental activities. This discount is what we call the ‘client discount’. Your current account is part of a payment package. The client discount is given only on a fixed interest rate, and it takes effect from the start of a new fixed-rate period.
You will also get a discount on your mortgage interest rate when buying a home with energy label B or higher, or when you renovate your home to energy label B or higher. To get this discount, you must register the energy label with the government within 24 months after the start of your fixed-rate period.
Buying a home in the Netherlands: step-by-step
What should you look for on a viewing? How does putting in an offer on a house work? And what happens when you want to take out a mortgage? We will guide you through the process.
Frequently asked questions about mortgages
How do mortgages work in the Netherlands?
A mortgage is a loan to buy a home. In the Netherlands, you can borrow up to 100% of the value of the property. If you are looking to buy a home and take out a mortgage for it, first calculate the maximum amount you can borrow on a mortgage. As soon as you have done that, you can schedule a free orientation meeting to go over your options with a mortgage adviser.
If you have already put in an offer on a house and it has been accepted, we will set up a second meeting with a mortgage adviser: the mortgage advice meeting. That is when you choose:
- the Budget Mortgage (Budget Hypotheek) or the Home Mortgage (Woning Hypotheek)
- the mortgage type for repayment of your mortgage
- a fixed or variable rate of interest
One of our mortgage advisers will help you make these choices. Make an appointment and you can come in for a meeting within 24 hours.
Is my bonus factored into the calculation of the maximum amount I can borrow on a mortgage?
Sometimes. In calculating the maximum amount you can borrow on a mortgage during the orientation meeting, the mortgage adviser will look at your salary, but also at any bonuses, overtime pay or other forms of income.
How much do I need in savings to buy a home?
This depends entirely on the home you want to buy and how much you can borrow based on your income. The additional costs you will incur are also a factor here. Here’s how it works: buying a home in the Netherlands involves mortgage advice, a notary and a property valuation. These are things you have to pay for yourself. These are additional costs.
More about purchasing costs
Some of these costs are tax-deductible, you can deduct them from your taxable pay on your tax return.
More about tax breaks
How does it work with foreign income in a different currency?
If you want to buy a home in the Netherlands, but your income is not in euros, but in dollars or pound sterling instead, for example, this need not be a problem. You are still eligible for a mortgage, but the maximum amount you can borrow will generally be lower.
What if I only have a temporary residence permit?
Even then you can be eligible for a mortgage. It depends on what type of temporary residence permit you have. And the mortgage terms and conditions will be different to with a permanent residence permit.
You should discuss this with a mortgage adviser in a free orientation meeting. After all, a mortgage adviser knows exactly how this works in your situation.
Reasons for taking out a mortgage from ABN AMRO
Support from A to Z
A personal mortgage adviser: from the early stages of your house hunt until the mortgage has been secured.
25 years’ experience
Dutch mortgage market leader and expert in expats.
Service in English
The whole process and mortgage application are in English, with English-speaking mortgage advisers.