Our Dutch mortgage calculator helps you calculate your monthly payment, tax benefits, and maximum borrowing capacity for properties in the Netherlands. Whether you're a first-time buyer, expat, or existing homeowner, our calculator provides accurate estimates based on 2025 Dutch tax rules and mortgage regulations.
How Much Can You Borrow in the Netherlands?
In 2025, the maximum mortgage in the Netherlands is calculated as 4.25 times your gross annual income. Single buyers receive an additional supplement of €17,000, and energy-efficient homes (with labels A-F) can add up to €10,000 to your borrowing capacity. You can borrow up to 100% of the property value. These standards are set by Nibud (Dutch National Institute for Family Finance Information).
Understanding Dutch Tax Benefits
Hypotheekrenteaftrek (Mortgage Interest Deduction): In 2025, you can deduct mortgage interest from your taxable income, capped at 37.48%. This significant tax benefit reduces your effective monthly payment. Learn more at Belastingdienst.nl (Dutch Tax Authority).
Eigenwoningforfait (Notional Rental Value): This is a tax on homeownership, calculated as 0.35% of your home's WOZ value up to €1,330,000. Our calculator automatically includes this in your net monthly payment. More information available at Belastingdienst.nl.
NHG (Nationale Hypotheek Garantie) in 2025
The NHG limit for 2025 is €435,000. If your mortgage qualifies for NHG, you typically receive 0.2-0.3% lower interest rates. NHG protects you if you can no longer pay your mortgage due to unemployment, disability, or divorce. Visit NHG.nl for official information.
Annuity vs Linear Mortgages
Annuity mortgages (most popular in the Netherlands) have fixed monthly payments throughout the 30-year term. Linear mortgages have decreasing monthly payments as you pay off the principal faster. Our calculator supports both types.
Existing House Owners
If you currently own a house in the Netherlands, our calculator helps you understand overwaarde (equity) or restschuld (remaining debt) scenarios. You can factor in your existing mortgage when calculating affordability for a new property.
Features of Our Calculator
- Real-time monthly payment calculations
- Accurate Dutch tax benefit calculations (hypotheekrenteaftrek & eigenwoningforfait)
- Income-based maximum mortgage calculator
- NHG eligibility checker
- Support for annuity and linear mortgages
- Existing house equity calculator
- 2025 interest rates and tax rules
- Mobile-friendly and easy to use
Why Use Our Dutch Mortgage Calculator?
Unlike simple mortgage calculators, our tool includes all Dutch-specific tax rules and benefits for 2025. We calculate your true net monthly payment after tax deductions, show your maximum borrowing capacity based on current Nibud standards, and help you understand if you qualify for NHG benefits. Perfect for both Dutch citizens and expats buying property in the Netherlands.
Additional Resources
For official mortgage rates and additional information, visit major Dutch banks:
Disclaimer: This calculator provides estimates based on 2025 Dutch tax rules and average market rates. Actual mortgage terms may vary depending on your lender, credit score, and individual circumstances. Always consult with a licensed mortgage advisor for personalized advice.