Mortgage Calculator

Are you an expat looking to buy a house in the Netherlands? Understanding your mortgage affordability is the crucial first step. Knowing your budget gives you a solid foundation, allowing you to focus your search on properties in the right price range.

You can use our simple mortgage affordability calculator to get an instant estimate of your maximum borrowing capacity based on your current income.

Why You Need a Full Mortgage Affordability Check

While our calculator provides a great starting point, determining your exact Dutch mortgage involves more than just your salary. Before you start viewing properties or making offers, we highly recommend speaking with one of our specialized expat mortgage advisors for an in-depth assessment.

To determine your true borrowing power, Dutch lenders will also evaluate:

• Your income type (e.g., permanent contract, freelance, or the 30% ruling)
• Your age
• Any existing debts or credit commitments (such as personal loans or student debt)
• Financial dependents

We Compare Over 35 Lenders for You

Every bank has its own specific rules and calculators. At Mortgage Spotters, our experienced advisors compare over 35 different lenders to find the perfect match for your unique situation. We ensure you know exactly how much you can comfortably borrow, and more importantly, what your monthly mortgage will actually cost.