Mortgage Calculator for the Netherlands — With Strategic Insight
Instantly estimate how much you can borrow in the Netherlands — and receive a realistic financing strategy tailored to your situation.
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Trusted by 1800+ expat buyers
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€100m financing per year
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English-first service
Verify your borrowing power with our expat mortgage specialists.
Most online calculators give generic outcomes.
Dutch mortgage approval depends on income structure, residency status, bonuses, 30% ruling, and lender interpretation. Use this calculator as a starting point.
Then validate your borrowing capacity with our expat mortgage specialist.
Why online calculators are only an indication
Your borrowing capacity in the Netherlands is not determined solely by income.
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Type of employment contract
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Bonus and variable income
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30% ruling eligibility
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Existing loans and student debt
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Partner income (foreign or Dutch)
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Residency status
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Property type and energy label
Two buyers with identical salaries can receive vastly different mortgage approvals depending on how their file is structured. That is why serious buyers validate their numbers with a specialist before bidding on property.
Mortgages for expats & internationals
Many clients we advise initially receive incorrect or overly conservative estimates from generic calculators or bank websites. Our role is to determine your true purchasing power and position your application correctly with the right lender.
We specialise in mortgages for:
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Expats working in the Netherlands
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Highly skilled migrants
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30% ruling beneficiaries
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Entrepreneurs and directors
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International income structures
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Buyers relocating to NL
What you can realistically borrow in the current market:
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Most expats borrow between €350k and €900k
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Dual income households often exceed €1M borrowing capacity
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Energy-efficient properties may allow higher financing
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Self-employed and bonus-heavy income requires specialist structuring
Lender differences remain significant.
Choosing the wrong lender first can reduce borrowing capacity or cause delays.
Most valuable for buyers who:
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Plan to purchase within 6 months
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Earn €70k+ income (single) or €110k+ household
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Are purchasing a property €400k+
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Want clarity before viewing homes
During this call you will receive:
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Maximum borrowing
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Monthly payment estimate
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Required savings overview
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Next steps to purchase
- Confidential and without obligation
- 100% Independent Advice