Calculate your mortgage and monthly payment in 2 minutes. Also useful if you have a house in mind.
From orientation to viewing and finding the right broker. Read what is involved in buying a house.
It is important that your mortgage suits you. Make a mortgage appointment with an expert advisor.
Take a look at the current interest rates.
Buying a house is a major step. We would be happy to help you throughout the buying process. Check our step-by-step guide to buying a house.
You can change your current ABN AMRO mortgage, or if you have a mortgage with a different lender, you can switch your mortgage to ABN AMRO. Remortgaging is subject to charges.
The fee charged for mortgage advice depends on the kind of advice you choose. You can opt to take out a mortgage based on personal advice, specific advice or without receiving any advice. So check the various kinds of advice to see how much advice will cost you.
If there is surplus value in your current home, you can increase your mortgage. Provided you have sufficient income.
If you have student debt and are planning to buy a house, the amount you can borrow on a mortgage will be lower, because you have to be able to continue your monthly student debt payments as well. Keep reading to find out how this affects you.
Regardless of your line of business, you can apply for a mortgage with us after only 1 year of self-employment. You will also be eligible for the Dutch National Mortgage Guarantee (NHG). Calculate your maximum mortgage now based on your annual figures. It’s easy.
Your income determines how much you can borrow on a mortgage. We will look at whether you are an employee, self-employed or a pensioner. A mortgage is all about customisation, so the way you earn your income affects how much you can borrow.
The value of the property that you are looking to buy also determines how much you can borrow on a mortgage. This is because your property will be the collateral for your mortgage. In 2019, you are allowed to borrow up to 100% of your property's value.
Buying a new home can be daunting, so it is a good idea to make sure you are well prepared. This calculation will give you an idea of the mortgage and its monthly costs, so you can estimate how much the home you want to buy will cost you each month. So although it will be a realistic picture, you cannot derive any rights from this calculation.
The maximum mortgage amount calculated is based on:
Mortgages under €310,000 are calculated using the National Mortgage Guarantee interest rate.
You can borrow up to a maximum of 100% of a property’s value, so you will always need to pay estate agent and notary fees and property transfer tax yourself.
More about purchasing costs
This calculation is not the same as advice (for tax or other purposes), it is merely a simplified illustration of your potential new mortgage. We recommend that you contact a tax or mortgage adviser to discuss your personal circumstances.
The amount displayed here is the net amount that you will pay for the first month of your mortgage. The monthly payment will increase slightly each month, as the interest you pay decreases gradually with an annuity mortgage. This is because the interest amount you can deduct from your income decreases each month, which causes your net monthly payment to increase. The calculation takes into account your imputed income from home ownership based on an estimate of the value for the purposes of the Dutch Valuation of Immovable Property Act (“WOZ-waarde”), the gross monthly interest and, if applicable, the lower interest amount you can deduct from your income if you pay tax in the highest bracket.
