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Mortgage Calculator Netherlands

Use this mortgage calculator to estimate your maximum mortgage in the Netherlands. The calculation is based on income, interest rate, loan term and standard Dutch lending rules.

Inputs

Optional fields

Assumptions

NHG limit: €470,000.00. estimated under the NHG limit based on the calculated mortgage
Assumptions used: annuity mortgage, 30-year term, 10-year fixed period, interest 3.81%, without client discount, Stored benchmark rate table, NHG-style rate based on the calculated mortgage, rate date 2026-03-30
Interest rate used: 3.81% | 10y | NHG rate inferred from the calculated mortgage | Stored benchmark rate table | Client discount removed | Rate updated: 2026-03-30

Results

Max mortgage estimate€292,883.26
Estimated interest rate:NHG

Edit this estimate to compare scenarios live.

10y annuity
Monthly gross€1,366.38Year-1 interest: €11,066.41
Monthly net estimate€1,052.09Estimated tax refund: €3,771.52
Extra cash needed€5,421.53Estimated buying costs: €5,421.53
Chosen mortgageIncome-based limit / Property-value cap
Income-based limit€292,883.26
Energy-label bonus€10,000.00
Property-value capNot set
Chosen mortgage€292,883.26
NHG statusestimated under the NHG limit based on the calculated mortgage
Interest rate used3.81%
Estimated buying costsCosts and tax
Transfer tax€0.00
NHG fee€1,171.53
Mortgage advice€2,100.00
Notary cost€1,500.00
Valuation cost€650.00
Estimated buying costs€5,421.53
Summary: Your maximum mortgage is €292,883.26. Your income-based limit is €292,883.26, and no property-value cap is limiting the result right now. NHG is currently estimated under the NHG limit based on the calculated mortgage. Estimated transfer tax is €0.00 and it depends on first-time-buyer, owner-occupied, and age-related tax rules. The estimated gross monthly payment is €1,366.38 and the net estimate is €1,052.09. Estimated buying costs are €5,421.53 and the required cash is €5,421.53.

With this mortgage, you pay about €1,366.38 per month.

What do you want to check next?

Use this result as the start of your housing decision, not the end of it.

In your estimate, you may also need about €5,421.53 in your own cash, so savings matter alongside the mortgage itself.

Want to see what this means for renting? See what rent fits your income.

Want to translate this into your monthly budget? Calculate net salary.

Check rentCalculate net salary

Share this result

Copy a link to this exact scenario or save a structured PDF report from your browser.

Woonbase calculation report

Mortgage estimate for €292,883.26

A personalized Dutch borrowing-capacity report using the submitted income, property, interest-rate, NHG, and cost assumptions.

Generated
Fixed-rate period (years)
10 y

Key outputs

Max mortgage estimate€292,883.26
Monthly gross€1,366.38
Monthly net estimate€1,052.09
Extra cash needed€5,421.53

Result summary

Your maximum mortgage is €292,883.26. Your income-based limit is €292,883.26, and no property-value cap is limiting the result right now. NHG is currently estimated under the NHG limit based on the calculated mortgage. Estimated transfer tax is €0.00 and it depends on first-time-buyer, owner-occupied, and age-related tax rules. The estimated gross monthly payment is €1,366.38 and the net estimate is €1,052.09. Estimated buying costs are €5,421.53 and the required cash is €5,421.53.

Inputs

These household and property values were submitted for this mortgage scenario.

Your gross income (EUR)
€65,000.00
Buying with a partner?
No
Your age
30
Energy label
A
House price (EUR)
Not set
Market value / appraisal (EUR)
Not set
Your savings available (EUR)
€40,000.00
Other monthly debts (EUR)
€0.00

Assumptions

annuity mortgage, 30-year term, 10-year fixed period, interest 3.81%, without client discount, Stored benchmark rate table, NHG-style rate based on the calculated mortgage, rate date 2026-03-30

Loan period (years)
30 y
Fixed-rate period (years)
10 y
Interest rate (%)
3.81%
Rate source
NHG rate inferred from the calculated mortgage
Rate updated
2026-03-30
Apply client discount
No
Client discount (%)
0.00%
Tax relief assumption (%)
37.56%
First-time buyer
Yes
You will live in the home
Yes

Outputs

The maximum mortgage is the lower applicable limit after income, debt, energy-label, and property-value logic.

Income-based limit
€292,883.26
Energy-label bonus
€10,000.00
Property-value cap
No market-value cap entered
Chosen mortgage
€292,883.26
NHG status
estimated under the NHG limit based on the calculated mortgage
NHG fee
€1,171.53
Transfer tax
€0.00
Estimated buying costs
€5,421.53
Year-1 interest
€11,066.41
Estimated tax refund
€3,771.52
Imputed homeownership income
€1,025.09

Buying-cost assumptions

Mortgage advice
€2,100.00
Notary cost
€1,500.00
Valuation cost
€650.00

Notes

  • Important: this is a simulation, not binding advice or a lender decision. Actual mortgage capacity can differ after full underwriting.

Based on your inputs, you may be able to borrow around €292,883. This is an estimate. Your actual mortgage also depends on debts, property value, energy label and lender-specific rules.

What affects your maximum mortgage?

Under Dutch rules, the calculation mainly turns on income and property value. In some situations, extra borrowing room for energy-saving improvements also matters.

Income

Your gross income is the starting point for the affordability norm and drives how much monthly housing cost is usually considered reasonable.

Interest rate and fixed-rate period

A higher rate or a different fixed period changes how much mortgage cost fits within the rules.

Debts and other financial obligations

Student debt, credit, and other monthly obligations often reduce the room left for a mortgage.

Property value

Property value limits how much you may borrow relative to the purchase price or appraisal value.

Energy label or energy-saving improvements

For energy-efficient homes or energy-saving measures, extra borrowing room can apply in some cases.

What does this mean for you?

This page helps with three questions: how much you may borrow, what that says about your monthly expectation, and what your next step should be.

Use the result as a starting point. Then open the rent page to see what fits your income and run the same income through net salary to understand your monthly budget.

If your outcome is close to the NHG limit, also read more about NHG before you continue your search or speak with an adviser.

Next steps

Choose the next question that matters most for your situation.

Check rent

Want to know what this means for renting? Use the same income on the rent page.

Calculate net salary

Want to understand your monthly budget? Turn this income level into a monthly net estimate.

Learn about NHG

Not sure whether NHG matters here? Read when the limit and conditions become relevant.

See rules and sources

Want to verify what this estimate is based on? Open the rules and sources.

Rules and sources

These references show where the mortgage tables, public rules, and in-app assumptions come from, and which result blocks they affect.

2026 mortgage affordability rules
Law / legislation

The 2026 mortgage-rule update publishes the financing-burden percentages and energy-label extra borrowing amounts used in this calculator.

Used for
  • The income-based mortgage limit.
  • The interest-rate band lookup inside the affordability table.
  • The energy-label bonus added to the income-based limit.
  • The 100% market-value cap when market value is entered.
Overheid.nl - 2026 mortgage rule updateOverheid.nl - official PDF
Stored benchmark rate tables
Data table

The standard and NHG rate tables in this calculator are stored benchmark tables maintained inside the app and selected by fixed-rate period.

Used for
  • Auto-filling the standard mortgage rate by fixed-rate period.
  • Auto-filling the NHG mortgage rate by fixed-rate period when NHG conditions are met.
  • The 'Interest rate used' row and the assumptions summary.
NHG limit and fee
Official rule

NHG publishes the yearly cost limit and borgtochtprovisie for mortgages with Nationale Hypotheek Garantie. For 2026 the basic limit is EUR 470,000 and the higher limit with energy-saving measures is EUR 498,200.

Used for
  • The NHG limit shown in the assumptions panel.
  • The NHG eligibility status row.
  • The NHG fee included in buying costs.
  • The switch to the stored NHG rate matrix below the NHG limit.
NHG - 2026 limit and feeNHG - product overview
Home-buying tax rules
Official rule

Belastingdienst guidance is used for transfer tax, the starter exemption, eigenwoningforfait, and the mortgage-interest-relief cap used as the default tax-relief assumption.

Used for
  • Transfer tax in the buying-costs table, including the starter exemption branch.
  • The owner-occupied versus non-owner-occupied tax branch.
  • The estimated tax refund and net monthly estimate.
  • The imputed-income step used in the background calculation.
Belastingdienst - transfer taxBelastingdienst - starter exemptionBelastingdienst - eigenwoningforfaitBelastingdienst - mortgage-interest relief cap
In-app assumptions and placeholders
Internal assumption

Some values are calculator assumptions rather than public rules: the client-discount toggle and percentage selector, the advice/notary/valuation placeholders, and the simplified annuity-only net-cost estimate.

Used for
  • The advice, notary, and valuation rows in buying costs.
  • The client-discount toggle and discount-percentage dropdown on stored rates.
  • The simplified monthly net estimate shown in the summary cards.
Important:this is a simulation, not binding advice or a lender decision. Actual mortgage capacity can differ after full underwriting.

How is the maximum mortgage calculated in the Netherlands (2026)?

Dutch lenders use a financing-burden percentage (woonlastenpercentage) set by Nibud each year. This percentage is applied to gross annual income to determine the maximum annual housing cost, which is then converted to a loan amount using current interest rates and a standard 30-year annuity term.

What is NHG and how does it affect my mortgage?

NHG (Nationale Hypotheek Garantie) is a government-backed guarantee that allows lenders to offer a lower interest rate — typically 0.5–0.7% less. In 2026 the NHG limit is €470,000 (or up to €498,200 with energy-saving measures). NHG applies only if the purchase price stays within these limits.

Does the energy label affect how much I can borrow?

Yes. Dutch mortgage rules allow borrowing a higher amount for energy-efficient homes. The extra borrowing capacity depends on the energy label (A++++ to G) and is set by the government each year. An energy label A home may allow up to €20,000–€40,000 extra compared to label G.