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Invest with BUX Plus or BUX Prime and get a EUR30 bonus. Please note: you might lose your preliminary investment.

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Mortgage calculator

Learn your monthly payment and how much you can obtain

Curious about your options for buying a home in 2025? Calculate your mortgage and understand how much you can obtain, and how much you 'd be paying monthly.

More details about mortgages in the Netherlands

Your mortgage estimation

The maximum amount you can borrow on a mortgage is calculated based upon:

- The annuity mortgage with a 30-year term. If you go with a different type of mortgage, the month-to-month payment may change.
- A fixed-rate period of ten years. A shorter or longer fixed-rate duration might impact the optimum quantity you can borrow on a mortgage.
- A 0.20% customer discount rate. We assume that you either currently have a bank account with us or will open one. This will provide you a discount rate on the mortgage interest rate, supplied that your income is paid into an ABN AMRO account.
- For mortgages under EUR 450,000, we utilize the rates of interest for a mortgage covered by the Dutch National Mortgage Guarantee.
Include 100% of the allowances

Allowances and particular advantages can be included fully from 1 July 2024 if they are demonstrably repaired, long-lasting, payable in cash and have been granted unconditionally for the candidate's whole employment term. This type of details is specified on employer's declarations, in employment agreement or in a client's Collective Labour Agreement (CLA).

Borrow 100% of the worth of the residential or commercial property

In the Netherlands, you can borrow as much as 100% of the worth of the residential or commercial property. The optimum quantity you can borrow on a mortgage is identified based upon two things:

- Your earnings.
- The value of the residential or commercial property you wish to buy.
Buying or renting

If you are presently renting and exploring your to buy a home, and you need to know how buying a home will affect your month-to-month outgoings, find out utilizing the estimation tool at the top of this page or schedule a free orientation conference to discuss it with a mortgage consultant.

Current mortgage rates of interest

The interest you pay on your mortgage impacts your monthly mortgage payment. Just how much you are charged in mortgage interest depends upon the kind of mortgage, the length of time the mortgage rate of interest stands for and the amount borrowed on the mortgage compared to the value of the residential or commercial property.

Discount on your mortgage rate of interest

You get a discount on the mortgage rate of interest if your monthly earnings is paid into an ABN AMRO present account. This can be earnings from employment, your benefits, your pension, income from your own business or earnings from rental activities. This discount rate is what we call the 'client discount'. Your bank account is part of a payment plan. The client discount is given only on a set interest rate, and it works from the start of a brand-new fixed-rate duration.

Buying a home in the Netherlands: step-by-step

What should you search for on a viewing? How does putting in a deal on a house work? And what takes place when you wish to get a mortgage? We will direct you through the process.

Frequently asked concerns about mortgages

How do mortgages operate in the Netherlands?

A mortgage is a loan to buy a home. In the Netherlands, you can borrow as much as 100% of the worth of the residential or commercial property. If you are looking to purchase a home and secure a mortgage for it, initially calculate the maximum amount you can borrow on a mortgage. As soon as you have actually done that, you can schedule a complimentary orientation conference to review your options with a mortgage advisor.

If you have actually already put in an offer on a house and it has been accepted, we will establish a 2nd conference with a mortgage advisor: the mortgage suggestions meeting. That is when you pick:

- the Budget Mortgage (Budget Hypotheek) or the Home Mortgage (Woning Hypotheek).
- the mortgage type for repayment of your mortgage.
- a repaired or variable rate of interest.
One of our mortgage consultants will help you make these options. Make a visit and you can come in for a meeting within 24 hours.

Is my perk factored into the computation of the optimum amount I can borrow on a mortgage?

Sometimes. In computing the maximum amount you can borrow on a mortgage during the orientation meeting, the mortgage consultant will look at your salary, however also at any perks, overtime pay or other types of income.

How much do I require in cost savings to purchase a home?

This depends entirely on the home you wish to purchase and just how much you can obtain based on your earnings. The additional expenses you will sustain are likewise an aspect here. Here's how it works: buying a home in the Netherlands includes mortgage advice, a notary and a residential or commercial property appraisal. These are things you need to pay for yourself. These are extra expenses. More about acquiring costs

A few 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 deal with foreign earnings in a various currency?

If you want to buy a home in the Netherlands, however your earnings is not in euros, but in dollars or pound sterling instead, for instance, this need not be an issue. You are still eligible for a mortgage, however the optimum quantity you can borrow will generally be lower.

More about earnings in a foreign currency

What if I just have a short-lived residence permit?
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Even then you can be eligible for a mortgage. It depends upon what kind of temporary house allow you have. And the mortgage terms will be various to with a long-term house license.

You should discuss this with a mortgage adviser in a totally free orientation meeting. After all, a mortgage adviser knows precisely how this operates in your scenario.