Quickly estimate your maximum Dutch mortgage, monthly costs and required own funds — a first orientation before you speak with a mortgage adviser.
For transfer tax, notary, advisory and valuation fees — in the Netherlands, 100% financing of the purchase price is possible.
Combined gross annual income of all applicants.
Determines whether the starter's transfer tax exemption may apply.
Comparison
| Period | Rate with NHG | Rate without NHG | Monthly payment (selected scenario) |
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Frequently asked questions
As a rule of thumb, 4 to 4.5 times your gross annual income is often used as an indication of the maximum mortgage. The exact maximum loan is determined by the official Dutch NIBUD affordability standards, which take income, interest rate, a partner's income and existing obligations into account. A mortgage adviser calculates this precisely.
With an annuity mortgage you pay the same amount every month, while the ratio between interest and repayment shifts over time. With a linear mortgage you repay a fixed amount of principal every month, so the interest portion and total monthly cost gradually decrease. Linear starts with the highest monthly payment, annuity stays level.
NHG is a Dutch government-backed mortgage guarantee that gives you access to a lower interest rate and protection in unforeseen circumstances such as unemployment, disability or divorce. NHG is only available up to a maximum purchase price, the NHG threshold, which is set annually.
In the Netherlands you can finance up to 100% of the purchase price with a mortgage, but the additional buyer's costs — such as transfer tax, notary fees, valuation and advisory fees, typically 4 to 6% of the purchase price — usually need to be paid from your own funds.
No. Mortgage advice requires a separate Wft licence under Dutch financial regulation. Haverkamp Makelaardij works with a trusted, independent mortgage adviser and connects clients with this partner free of charge for personal, fully calculated advice.
This outcome is a first indication, not mortgage advice. We connect you free of charge with our trusted, independent mortgage adviser for a personal, fully calculated quote.
Request an introductionThis calculation is purely indicative and does not constitute a mortgage offer or financial advice. Haverkamp Makelaardij is not a mortgage adviser — this requires a separate Wft licence. Interest rates, maximum financing, income assessment, NHG conditions and acceptance by the lender determine the final outcome. Rates last updated: .
The income norm above is a rule-of-thumb factor and not a substitute for the official Dutch NIBUD affordability standards used by lenders during the actual assessment.
No rights can be derived from this calculation. Please contact a licensed mortgage adviser for a personal assessment.