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.
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.
There’s a lot to consider when buying a home in the Netherlands and it can be a bit overwhelming. If you’re not sure where to start, follow our step-by-step guide, from calculating how much you can borrow till getting your mortgage offer.
We offer a free one-hour orientation consult with an English-speaking mortgage adviser to go over your personal financial situation, and to give you more information about buying a home in the Netherlands.
You will get a 0.20% discount on your mortgage interest rate if:
If you meet both conditions, you will receive a 0.35% discount on your interest rate.
Your mortgage interest rate depends on the following:
Fixed interest rate:
Your interest rate will stay the same for the period of time you agree with us, which can range from 1 to 30 years. This is what is known as the fixed-rate period. During this period, you will pay the same interest rate every month.
Variable interest rate:
Your interest rate can go up or down every month. This means that you will not have certainty as to how much you will be paying every month.
If you are eligible for mortgage interest deduction, you will receive a proportion of the mortgage interest you pay back from the Dutch tax authorities. How much exactly you will get back depends on your income. Read more about deductible interest.
If you would like to benefit from the current lower mortgage interest rate, but do not wish to pay a penalty in a single lump sum, you may wish to consider interest rate averaging. You will then start a new fixed-rate period with a new interest rate. The penalty payable for this can be spread out over the new fixed-rate period, meaning that you will pay it in the form of an interest rate markup.
| Loan amount | €200,000 |
| Mortgage rate | 2% |
| Fixed-rate period | 30 jaar |
| Interest amount | €333,33 |
| Redemption | €405,91 |
| Gross monthly payment | €739,24 |
| Total price of the mortgage | €266.126,40 |
| Annual percentage rate of charge | 2.02% |
The calculation example only shows the monthly payment for the 1st month. Without any insurance premiums.
You will get a 0.20% discount on your mortgage interest rate if:
If you meet both conditions, you will receive a 0.35% discount on your interest rate.
Your mortgage interest rate depends on the following:
Fixed interest rate:
Your interest rate will stay the same for the period of time you agree with us, which can range from 1 to 30 years. This is what is known as the fixed-rate period. During this period, you will pay the same interest rate every month.
Variable interest rate:
Your interest rate can go up or down every month. This means that you will not have certainty as to how much you will be paying every month.
If you are eligible for mortgage interest deduction, you will receive a proportion of the mortgage interest you pay back from the Dutch tax authorities. How much exactly you will get back depends on your income. Read more about deductible interest.
If you would like to benefit from the current lower mortgage interest rate, but do not wish to pay a penalty in a single lump sum, you may wish to consider interest rate averaging. You will then start a new fixed-rate period with a new interest rate. The penalty payable for this can be spread out over the new fixed-rate period, meaning that you will pay it in the form of an interest rate markup.
| Loan amount | €200,000 |
| Mortgage rate | 2% |
| Fixed-rate period | 30 jaar |
| Interest amount | €333,33 |
| Redemption | €405,91 |
| Gross monthly payment | €739,24 |
| Total price of the mortgage | €266.126,40 |
| Annual percentage rate of charge | 2.02% |
The calculation example only shows the monthly payment for the 1st month. Without any insurance premiums.
Mortgage interest is the interest you pay on your mortgage. You pay the bank interest on the remaining amount of your mortgage loan every month. If you make monthly repayments as well, the debt will gradually decrease. The smaller your debt, the less interest you pay.
The interest rates for the various types of mortgages change regularly. The interest rate table on this page always shows the latest interest rates. If you’d like to know whether we expect mortgage interest rates to rise or fall in the near future, take a look at the housing market monitor, which gives forecasts by our economist Philip Bokeloh.
If you want a buy-to-let mortgage, you can keep your current interest rate contract but you will be charged a risk surcharge on the interest. The surcharge depends on whether you will be staying in the Netherlands or moving abroad. Your adviser can tell you more about this.
This is difficult to predict. There are several factors that affect mortgage interest rates, including the state of the economy, for example. Mortgage interest rates can remain stable for a long time, or they can change several times a month.
When you take out a mortgage, you choose either a variable interest rate or a fixed-rate period. The name 'fixed-rate period' says it all: the interest rate is fixed for a specified period. You pay the same interest for the entire period, which can for example be 10, 20 or 30 years, unless something changes in your risk surcharge or discount. Generally speaking, the longer your fixed-rate period, the higher the interest rate.
If you have an NHG-backed mortgage and you are forced to sell your home due to a divorce, unemployment or occupational disability, for example, any residual debt can be taken over. As this reduces the risks for the bank, the interest rate on an NHG-backed mortgage is often lower. You must satisfy certain conditions to be eligible for an NHG-backed mortgage.
More about the Dutch National Mortgage Guarantee
A personal mortgage adviser: from the early stages of your house hunt until the mortgage has been secured.
Dutch mortgage market leader and expert in expats.
The whole process and mortgage application are in English, with English-speaking mortgage advisers.
