Expat Mortgage Calculator Netherlands
Calculate how much you can borrow as an expat in the Netherlands. Our calculator accounts for the 30% ruling, contract types, and 2026 Dutch mortgage rules.
Your Income
Tax benefit for skilled expats
Property Details
Mortgage Terms
Your Results
Based on your inputs, here's what you could borrow
Maximum Mortgage
€ 279.000
Monthly Payment
€ 1.364
Loan-to-Value
69.8%
Cost Breakdown
Gap in funding
You need € 111.000 more.
This is an estimate only. Actual mortgage amounts depend on many factors including credit history, specific lender criteria, and current market conditions. Contact us for a personalized calculation.
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Our certified mortgage advisors provide exact calculations based on your complete situation as an expat, including all lender options and the best rates available.
Expat Mortgage Calculator FAQ
Common questions about calculating your mortgage as an expat in the Netherlands.
How the Expat Mortgage Calculator Works
1. Enter Your Income
Input your gross annual income, partner's income (if applicable), and employment type including 30% ruling status.
2. Add Property Details
Enter the property value you're considering and your available savings for buying costs.
3. Get Your Results
See your maximum mortgage, monthly payments, and total costs—calculated using 2026 Dutch lending rules.
Understanding 2026 Dutch Mortgage Rules for Expats
The Netherlands has specific rules for mortgages that differ from other countries. As an expat, understanding these rules is essential. Read our complete guide on Dutch mortgage rules.
- 100% LTV Maximum: You can borrow up to 100% of the property value, but additional costs (4-6%) must come from savings. See our buyer costs calculator.
- Annuity or Linear: Most Dutch mortgages are annuity-based, meaning consistent monthly payments with decreasing interest over time.
- Tax Deduction: Mortgage interest is tax-deductible for up to 30 years, reducing your effective monthly costs.
- NHG Guarantee: For properties under €450,000, the National Mortgage Guarantee (NHG) offers protection and lower interest rates (€477,000 with energy improvements).
- First-Time Buyer Exemption: Buyers aged 18-35 purchasing under €525,000 pay no transfer tax—saving up to €10,500.
Related Expat Mortgage Tools & Guides
Comprehensive calculation for all buyers
Calculate notary, tax, and all buying costs
Complete guide for internationals
Should you buy or rent in the Netherlands?
How the tax benefit impacts borrowing
Official rules and lending criteria
Last updated: January 30, 2026 by Hans van der Berg, AFM-Registered Mortgage Advisor | Wft Certified | 15+ years expat mortgage experience
This calculator is an educational tool. For binding mortgage offers, please consult our advisors. Read our calculation methodology and independence statement.
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