Dutch Mortgage Calculator (Annuity & Linear)
| Month | Payment | Interest | Principal | Remaining |
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Calculated on: (first 12 months shown)
How this mortgage calculator NL helps
Buying a home in the Netherlands is exciting, but mortgage costs can be confusing. This mortgage calculator NL gives you a quick estimate of your monthly payment, total interest, and long-term repayment path. You can compare annuity and linear mortgages, which are the most common mortgage structures for Dutch owner-occupied homes.
If you are in the early orientation stage, this tool helps answer practical questions like: “What does a €350,000 mortgage cost monthly?” and “How much interest do I pay over 30 years?”
Annuity vs linear mortgage in the Netherlands
Annuity mortgage (annuïteitenhypotheek)
With an annuity mortgage, your gross monthly payment stays almost the same during the fixed-interest period. In the beginning, a larger part is interest; over time, principal repayment becomes larger.
- Stable gross monthly payment
- Higher interest share at the start
- Common choice for predictable monthly budgeting
Linear mortgage (lineaire hypotheek)
With a linear mortgage, you repay a fixed principal amount each month. Because the remaining loan balance drops faster, interest decreases every month and total interest costs are generally lower than with annuity.
- Highest payment in month 1
- Payment decreases over time
- Usually lower total interest over full term
What affects your monthly mortgage payment?
Your payment estimate depends on multiple factors, not only the house price:
- Mortgage amount: higher principal means higher monthly cost.
- Interest rate: even a 0.5% change can significantly impact total costs.
- Loan term: 30 years lowers monthly burden but raises total interest.
- Repayment type: annuity and linear have different cash-flow patterns.
- Tax position: mortgage-interest deduction can reduce net monthly cost.
Gross vs net monthly costs (important in NL)
This calculator shows gross repayment and an estimate of tax impact for year 1 using your chosen deduction rate. In reality, your net mortgage burden depends on your personal tax situation, mortgage type, and whether the mortgage qualifies for deductible interest under Dutch rules.
For many homeowners, the net payment is lower than the gross payment in the first years because interest is higher at the beginning. Over time, interest falls and the deduction effect usually shrinks.
Costs not included in this simple calculator
To avoid surprises, remember that your full housing budget includes more than mortgage payment:
- Transfer tax (overdrachtsbelasting), if applicable
- Notary and valuation costs
- Mortgage advisor and arrangement fees
- National Mortgage Guarantee (NHG) costs where relevant
- Home insurance and maintenance reserve
- Service charges (VvE) for apartments
- Municipal taxes and water board charges
How to use this calculator effectively
Step 1: Start with a realistic mortgage amount
Use your expected borrowing limit or target budget range from a lender or advisor.
Step 2: Run scenarios
Try interest rates like 3.5%, 4.0%, and 4.5%. Then compare annuity and linear to see how your monthly cash flow changes.
Step 3: Check affordability buffer
Do not stretch to the absolute maximum. Keep room for energy costs, repairs, and life events.
Final thoughts
A mortgage calculator NL is best used as a planning tool, not final financial advice. Use it to understand trade-offs, compare options, and prepare smarter questions for your mortgage advisor. Small changes in rate, term, and repayment type can lead to large long-term differences in total cost.
If you want the most reliable decision, combine this estimate with a full affordability assessment, current Dutch lending standards, and professional advice tailored to your situation.