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Mortgage Calculator Netherlands
Calculate your maximum mortgage, monthly payment and total interest costs in the Netherlands 2026. Based on your income, interest rate and loan duration.
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This tool is fully functional in Dutch. The calculator works with standard numbers — use Chrome's built-in translation (right-click → Translate to English) for a seamless English experience.
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Chrome tip: Right-click → "Translate to English" — the calculator still works perfectly after translation.
About this tool
Calculate your maximum mortgage, monthly payment and total interest costs in the Netherlands 2026. Based on your income, interest rate and loan duration. This calculator is specifically designed for the Netherlands and uses 2026 Dutch rules and regulations. All calculations run instantly in your browser — no data is sent to any server.
Frequently asked questions
How much can I borrow for a mortgage in the Netherlands?▼
As a rule of thumb you can borrow approximately 4.5 times your gross annual income in 2026. With two incomes the highest income counts fully and the lowest for 90%. The exact amount depends on your fixed expenses and current interest rates.
What is NHG (Nationale Hypotheek Garantie)?▼
NHG is a Dutch mortgage guarantee for homes up to €435,000 in 2026. It protects the lender if you cannot repay, which means lower interest rates for you (typically 0.4-0.6% lower).
Can I get a 100% mortgage in the Netherlands?▼
Yes, first-time buyers can borrow up to 100% of the property value in 2026. However you still need money for additional costs: transfer tax (0% for first-time buyers under 35 with home value under €510,000), notary costs and appraisal fees.