Dutch Mortgage Calculator

Compare annuity and linear mortgage repayment plans for buying a home in the Netherlands, side by side, with a full month-by-month schedule and a chart.

What it works out

• Purchase costs — transfer tax (overdrachtsbelasting), NHG, notary, valuation, structural survey, mortgage adviser and estate agent fees. Every line can be switched off, so you can model a first-time-buyer exemption or a purchase above the NHG cap.
• The loan you need, your loan-to-price ratio, and how the NHG fee is financed into the mortgage.
• Gross and net payments, applying the Dutch mortgage interest deduction (hypotheekrenteaftrek). Because the deduction is a share of the interest, and the interest shrinks as you repay, your net monthly cost rises over the term even though the gross payment does not.
• Any term from 1 to 40 years, not just the usual 30.
• Extra repayments — every month, once a year, or a one-off lump sum. All three stack, they shorten the term rather than lowering the instalment, and the calculator warns when you pass the 10% a year most Dutch lenders allow without a penalty.
• Rent versus buying — the month at which what you have spent buying drops below what you would have spent renting.

Annuity or linear?

An annuity mortgage keeps the gross monthly payment the same for the whole term: mostly interest early on, mostly capital later. A linear mortgage repays the same amount of capital every month, so payments start higher and fall steadily — and it costs less interest overall.

Every figure is calculated in your browser. Nothing you enter is sent anywhere, and each scenario has its own shareable link.

This calculator is for illustrative purposes only. Consult a qualified adviser before making any decision.