Applying for a Dutch mortgage is a complex task with many aspects to consider. The most important of which may be starting the process with the right amount of know-how. This way you can save time, avoid misunderstandings, and get to what’s important…LIVING!

Types of Mortgages in The Netherlands

• Linear Mortgage – The full mortgage amount is not the same every month (it decreases from month to month). This is because the principle paid every month is the same and  the interest paid month to month decreases.
• Annuity Mortgage – The monthly mortgage payment is the same every month. The interest portion being paid decreasese and the principal portion increasing.

The first step when buying a property in the Netherlands  is to get an accurate assessment of the price range that fits your budget. By speaking with a specialized mortgage broker, Dutch bank or lender, you are able to streamline the process and go into the Dutch mortgage application process in full confidence. Do keep an eye out for housing seminars/webinars which explain all the steps to buying your own home (also a nice way to meet new people!)

The Mortgage Calculator

Eindhoven based mortgage broker, The Expat Specialist, has provided  a free and easy to use  Dutch Mortgage Calculator tool. With it, you can quickly calculate the maximum mortgage you qualify for in the Netherlands.

To Get a Customized Estimate

Please note the mortgage calculator is just an estimate! As a general rule of thumb lenders will lend you approximately 5 times your gross salary. In order to get an accurate assessment of what you can borrow (which is usually more than what the calculator will indicate)  contact the Expat Specialist, to maximize your borrowing power!

How it works

1. Enter your annual income
2. Enter your partner’s annual income

That’s it! the amount you qualify for will appear at the bottom.

Calculate your Dutch mortgage now!