Mortgage interest rates in the Netherlands can vary depending on the lender, the fixed-rate period, and your personal situation. As of mid-2025, average interest rates for a 10-year fixed mortgage are typically between 3.5% and 4.2%. However, it’s important to check with specific lenders for the most accurate and up-to-date rates.

Yes, foreigners can buy property in the Netherlands. There are no legal restrictions on property ownership based on nationality or residency. However, if you need a mortgage, banks may have additional requirements for non-residents or those without a permanent residence permit. It’s a good idea to consult with a mortgage advisor to understand your options.

The 30% ruling is a tax benefit for highly skilled migrants moving to the Netherlands for work. If eligible, 30% of your gross salary can be paid tax-free for up to 5 years. This increases your net income and can also improve your borrowing capacity for a mortgage. You must meet certain conditions, and your employer must apply for it with the Dutch tax authorities.

Our calculator estimates your borrowing capacity based solely on your gross annual income. The general rule in the Netherlands is that you can borrow around 4 to 5 times your gross income, but this can vary depending on your personal situation.

Interest is calculated on the remaining loan amount each month. With an annuity mortgage, your monthly payment stays the same, but the interest portion decreases over time. With a linear mortgage, your monthly payments go down as you pay off more principal.

Yes, our calculator estimates how much you can borrow based on your gross annual salary. It gives a quick indication, but lenders also look at other factors like debts, expenses, and interest rates when you apply.

You typically need a gross annual salary of around €80,000 to €100,000 to borrow €400,000 in the Netherlands. The exact amount depends on the mortgage interest rate, loan type, and any existing debts.

Yes, your salary is the main factor in determining how much you can borrow. Lenders use your gross income to calculate your maximum mortgage amount.

The interest rate is shown per annum (yearly), but you repay your mortgage in monthly installments that include both interest and principal.

To calculate your debt-to-income (DTI) ratio, divide your total monthly debts (like loans, credit cards, and mortgage payments) by your gross monthly income. Multiply by 100 to get a percentage. Lenders use this ratio to see how much of your income goes toward debt.

In the Netherlands, you generally need savings for the down payment (usually 0–10% of the home’s price), plus additional costs like transfer tax, notary fees, and mortgage advice fees, totaling around 6–10% extra. Having a financial buffer for unexpected expenses is also recommended.