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Mortgage Calculator: Netherlands

Work out your full monthly mortgage payment and what it costs to buy, with each country's own transfer tax, mortgage insurance and property tax. 15 countries.

Reviewed by CentExactRates effective 1 sourceCalculated in your browser. Shared links include inputs.

NHG is optional, and worth taking for the rate alone

Nationale Hypotheek Garantie costs 0.4% of the loan as a one-off borgtochtprovisie and is available on mortgages up to 470,000 in 2026. It is the only optional mortgage insurance in this calculator, which is why it appears as a switch rather than an automatic charge.

Take it and you buy two things: a government guarantee that settles the residual debt if the house has to be sold at a loss, and a materially lower interest rate, because the lender's risk has been underwritten. How large the discount is varies by lender, but on a normal loan it recovers the 0.4% within the first few years, so the switch is rarely a close call for anyone under the ceiling. This calculator treats the premium as cash at completion, so it lands in the cash-to-complete figure; many lenders will let you add it to the mortgage instead.

Overdrachtsbelasting: 2%, nothing, or 8%

The transfer tax depends on what you are doing with the house, not on where it is. Someone buying a home to live in pays 2%. A first-time buyer under 35 pays nothing at all up to a ceiling that rises to 555,000 in 2026. A buyer who will not live in the property pays 8% from 1 January 2026, down from 10.4%.

Only the 2% owner-occupier rate is modelled here, so a starter under the ceiling should read the transfer-tax line as zero and an investor should read it as four times what is shown.

Dutch lending allows a 100% loan-to-value mortgage, which is why the deposit opens at zero, but the purchase costs still have to be found in cash, because they cannot be financed.

For how the calculation works, the formula behind it and what it leaves out, see the full guide. For help interpreting a result or comparing it with a quote or statement, read the questions and answers.

Data sources

Dutch overdrachtsbelasting and Nationale Hypotheek GarantieGovernment.nlWithin its effective period

Every document each dataset was read from, its notes and how the figures were checked are listed in the guide's data sources.

This calculator in other countries

Each country has its own rates, thresholds and rules, and its own page that runs the calculator on them and cites the official sources they came from.

CentExactCalculator publisher

CentExact publishes the calculation method, worked examples and available data sources. Automated checks cover reference calculations; they do not certify a result for your circumstances or imply approval by a lender or tax authority.

How we build and test our calculators

This calculator is for general information only and is not financial advice. Results are estimates based on the figures you enter and the stated formula; lenders and providers may round or calculate differently. Check any decision with the institution involved or a qualified adviser.