Dutch Mortgage Calculator – Rent vs. Buy | Expat Mortgages
What could your rent buy?
A mortgage calculator for the Dutch housing market. See exactly how much house your
monthly rent translates to – including the mortgage-interest deduction (hypotheekrenteaftrek).
Your situation
€1.500
€20.000
Buyers in NL typically need ~3-5% on top for kosten koper
€60.000
Banks use this to decide how much they'll lend you
€0
4.2%
Fixed assumption for this calculator
30 years
Fixed assumption for this calculator
€
Instead of paying €1.500 in rent every
month
you could be paying off a home worth around
€380.000
A monthly mortgage payment of €1.875 on a property of this value works out to roughly your
current rent in net cost, once the Dutch mortgage-interest deduction
(hypotheekrenteaftrek) is applied. Subject, of course, to what the bank will lend
you.
Max the bank will lend
€270.000
Based on your income (~4.5× rule). Add your savings on top, minus ~3–5%
buyer's costs.
What this means for you
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When does buying beat renting?
For most Dutch buyers, the break-even point lands somewhere between
year 3 and year 5. Before then, you are still recovering the upfront costs
(kosten koper, deposit). After that, the equity you build pulls ahead of what you would have
lost in rent.
Rule of thumb: stay 5+ years and buying tends to win. Move sooner and
renting is often the safer choice.
Estimates only. Real Dutch mortgages depend on NHG
eligibility, energy label, fixed-rate period (rentevaste periode), and lender criteria. Buyers
also pay kosten koper (≈3–5% of purchase price: transfer tax, notary, advisor).
Mortgage-interest deduction only applies to annuity or linear mortgages on your primary
residence. For a precise calculation, speak with a licensed hypotheekadviseur.
Ready for a precise calculation tailored to your situation? Speak with one
of our advisors at Expat Mortgages.