Mortgage Calculator

WHAT WILL I BE ABLE TO LOAN?

Calculate your maximum mortgage

Your annual gross income
Your annual gross income includes holiday pay, fixed bonuses, profit distributions and a fixed thirteenth month.
Partner's annual gross income
Energy label
Please fill in the energy label of your prospective property. In case the energy label is unknown, use energy label A for an average calculation
Single household?
A single household refers to a household consisting of a single person.
MAXIMUM LOAN
€ 123.123
MONTHLY MORTGAGE
€ 1234
This is a rough estimate based on your input. The amount given is subject to change based on a discussion on your personal situation.

A free consult to calculate the exact maximum mortgage.

For a calculation of the exact maximum amount you can borrow, more details are needed such as age, type of employment, available own money, other financial obligations, etc. Our advisors will be happy to calculate this amount for you with the appropriate background information from you.

our most frequently asked questions

FAQ

All of our specialized advisors use English as their working language. In addition to this, we offer reading manuals which explain the contents of all important documents (i.e. mortgage contract, preliminary purchase agreement) in your own language. 

If you feel like you need extra guidance in your own language, we have interpreters available that you can hire at all times. They will happily accompany you at all meetings, to help you fully understand all materials. 

Hiring our real estate agent and notary is not mandatory to make use of our mortgage broker services. However, we have started collaborations with these parties, because they are specialized in providing services to expats in the Netherlands. Therefore, we would recommend making use of their services, to make your journey to your dream home as easy as possible. 

Read more about us >

If you are buying your first home, and you are between 18 and 35 years of age, and the property price is below €440.000, then you do not have to pay any transfer tax. Is this not your first home? Are you over 35 years old? Is the property price higher than €440.000? Than the transfer tax is 2% of the property value. 

When getting a mortgage to finance a house, every bank or lender requires an official appraisal report. We have several appraisers in our network that can help you with an honest value appraisal. 

If you want to reduce the risk of residual debt, you can make use of the National Mortgage Guarantee. This provides you and your lender a safety net for when you run into problems meeting your payments. In return for reducing risks, this will cost you 0.6% of the mortgage amount, for mortgages that are less than €405.000 euros. Our advisors will explain this extensively and will help you arrange the National Mortgage Guarantee when needed. 

Case Manager Marliz Twaalfhoven Brickle Mortgages

Want to read more about the Dutch mortgage market?

Read all about Dutch mortgages and the current property market in our free whitepaper. 

Schedule a
free consultation

For a calculation of the exact maximum amount you can borrow, more details are needed such as age, type of employment, available own money, other financial obligations, etc. Our advisors will be happy to calculate this amount for you with the appropriate background information from you.

Please schedule a consultation for the purpose of exploring your maximum mortgage capability.

The calculation is only an initial indication of the maximum amount you could potentially borrow based on the income information you entered and a current 10-year fixed interest rate. No rights can be derived from this calculation and therefore does not constitute an offer or advice to buy or modify a product.