MORTGAGE CALCULATOR
Get a mortgage calculation
Want to know what you can really borrow? We will personally check your income, 30% ruling and mortgage options during a free first consultation.Mortgage Calculator Netherlands
Get a quick estimate of how much you may be able to borrow and your expected monthly mortgage payment. This calculator is designed especially for expats buying a home in the Netherlands.
- Simple estimate based on your gross annual income
- Option to include your partner’s income
- Indicative adjustment for the 30% ruling
- Free detailed report by email
Want certainty? Every situation is different. Request your report or speak with us for a personal check—your first consultation is free.
What does this mortgage estimate include?
The calculator gives you a quick indication based on your gross annual income and, if applicable, your partner’s income. You will see an estimated maximum mortgage and monthly payment.
It is designed for expats and includes an indicative option for the 30% ruling. The exact outcome can differ between lenders and also depends on factors such as existing loans, your employment contract, residence status and the remaining term of your 30% ruling.
Your calculation is free and without obligation. After calculating, you can request a detailed report or ask us to check your situation personally.
How much can I borrow for a mortgage?
Your maximum mortgage depends mainly on your gross annual income, your partner’s income, the interest rate and your personal commitments. Existing loans, student debt, your employment contract and residence status can also affect the final amount.
How is the 30% ruling included?
The 30% ruling can sometimes increase your borrowing capacity, but the result differs per lender and depends on how long the ruling will remain valid. The calculator therefore gives an indication only:
- 5 years remaining: approximately €20,000 extra
- 4 years: approximately €15,000 extra
- 3 years: approximately €10,000 extra
- 2 years: approximately €5,000 extra
- 1 year: no additional amount included
This indication is intended for mortgages without NHG. We always check the exact lender rules during a personal consultation.
How does the calculator work?
- Enter your gross annual income, including holiday allowance.
- Add your partner’s income if you are buying together.
- Select the 30% ruling only if it applies to you, and choose the remaining duration.
- Click Calculate to see your estimate.
- Request the free detailed report by email.
What happens after the calculation?
Your result is a useful first indication, not a binding mortgage offer. If you want, we can check your income, own funds, energy label, tax position and lender options in a free first consultation.
We can also help with the complete purchase process through our Package Deal: buying agent and mortgage advice combined in one service.
Talk to an expat mortgage adviser
Your first consultation is free and without obligation. We are normally available on Monday from 09:00–13:00 and Tuesday or Wednesday from 09:00–12:00. If you prefer another day, let us know and we will see what is possible.