Free Dutch Mortgage Calculator — Tax-Included Estimates in 2 Minutes

Your House Journey

Guides to help you understand every stage of buying, moving, and managing your mortgage.

Free No Registration Dutch Tax Included GDPR
8Dutch banks
7Calculators
13Expert guides
First-time buyer

Buying Your New House

A step-by-step guide from saving for a deposit to getting the keys in your hand.

6 min readRead article →
NHG
Government guarantee

NHG: The Government Safety Net

How NHG lowers your rate, protects from debt, and whether you qualify.

6 min readRead article →
OVERDRACHTSBELASTING 2025Starter (<35, <€510k):0%Eigenaar-bewoner:2%Belegger/2e woning:10.4%
Property tax

Transfer Tax: The Complete Dutch Guide

Who pays 0%, 2% or 10.4% — and how the first-time buyer exemption works in practice.

7 min readRead article →
A++A+ABC−0.30%rate discount+€15k max
Green mortgage

Energy Label: How It Affects Your Mortgage

How your energy label can lower your rate, raise your maximum loan, and unlock government subsidies.

7 min readRead article →
Moving home

Moving Mortgage Between Houses

Port, remortgage, or bridge — understand your options before you decide.

7 min readRead article →
Overpayments

Adding Extra Mortgage Payments

How small overpayments can save you thousands and cut years off your term.

5 min readRead article →
Interest rates

Understanding Mortgage Interest Types

Fixed, variable, annuity or linear — how each type affects your payments.

8 min readRead article →
Strategy

Comparing Mortgage Scenarios

Beyond the headline rate — what really matters when comparing offers.

6 min readRead article →
ABC
Smart buying

Compare Mortgage Offers Like a Pro

The 5 numbers that actually matter — and how to avoid the most common mistakes.

6 min readRead article →
JAAROPGAVE ZZPNettowinst gem.:€ 60.800AFM✓ KvK · Jaarrekening · Aangifte
Self-employed

Getting a Mortgage as a ZZP'er

How lenders assess self-employed income, which banks are ZZP-friendly, and what documents you need.

8 min readRead article →
WOZ BESCHIKKINGWOZ-waarde:€ 560.000Bezwaar
Property tax

The WOZ Value: What It Is and How to Lower It

How municipalities estimate your home value and how to object if it is too high.

7 min readRead article →
KifidKlachteninstituut
Consumer rights

Kifid: Your Rights When Your Advisor Gets It Wrong

The free Dutch dispute body for financial complaints — what it covers and when to use it.

8 min readRead article →
1234InternIndienenBemiddelingUitspraak
Consumer rights

Kifid Step by Step: What to Expect

Timelines, documents, what the committee looks for, and how to write a compelling complaint.

7 min readRead article →

Loading rates...

New Mortgage Calculator

Full amortization schedule with tax return estimation.

Loan Details

€
€
20.0% of home price
%
yrs
Fixed monthly payment. More interest paid early on.

Results

Fill in the details and click Calculate.

Moving Mortgage Calculator

Compare porting vs remortgaging with full amortization tables for each part.

Current Mortgage

€
%
yrs
Existing rate applies to ported balance. Top-up uses new rate.

New Property

€
€
%
yrs

Moving Mortgage Results

Fill in the details and click Calculate.

Extra Payment Simulator

See how overpaying shortens your loan and reduces total interest paid.

Loan + Extra Payment

€
€
%
yrs
€

Impact of Extra Payments

WithoutWith Extra
Monthly Payment——
Payoff Time——
Total Interest——
Interest Saved——
Time Saved——

Scenario Comparison

Compare up to three mortgage scenarios side by side.

Scenario A

Scenario B

Scenario C

Maximum Mortgage Calculator

Calculate how much you can borrow based on NIBUD norms — the same method Dutch banks use.

Your Income

€
Your yearly gross salary (bruto jaarsalaris)
%
Banks test at minimum 5% regardless of market rate
€
Reduces your maximum by ~0.75% of outstanding debt per month
€
Car lease, personal loan, credit card minimum payments
Available for homes up to €435,000 — lowers your rate by ~0.5%

Maximum Mortgage

Fill in your income and click Calculate.

Refinancing Break-Even

Find out if switching your mortgage rate is worth it — and when you break even after penalty fees.

Current Mortgage

€
%
yrs

New Mortgage

%
yrs

Refinancing Costs

€
Ask your bank for your exact boeterente quote
€
Typical range: €1,500–€3,500

Refinancing Analysis

Fill in your mortgage details and click Calculate.

Bridge Loan Calculator

Buying before your current home sells? Calculate your overbruggingskrediet and total bridging costs.

Current Home

€
What you expect to sell your current home for
€

New Home

€
€
The permanent mortgage on your new home

Bridge Details

months
Typical range 3–12 months. Max 24 months at most banks.
%
Typically Euribor + 1.5–2.5% margin. Ask your bank for a quote.

Bridge Loan Summary

Fill in your details and click Calculate.

Find Your Mortgage Advisor

All advisors are AFM-licensed. Filter by location, specialisation, and service type.

⚠️ HypotheekGids does not provide financial advice. Advisors listed are independent professionals. Always verify their AFM licence before engaging.

🏛️ Official resources — verify independently:

🔎 Check AFM licence register → 🏡 Find NHG-certified advisors → 📋 Vereniging Eigen Huis advice →

Want us to connect you with an advisor?

🏛️ All AFM-licensed
Loading advisors…

Advisors shown are from the AFM public register (Wft-vergunning Hypothecair Krediet). Data sourced from afm.nl. HypotheekGids does not endorse or recommend specific advisors. Always conduct your own due diligence.