For information only — not investment, financial, or tax advice. This calculator estimates results based on the inputs you provide. It does not constitute professional advice and infoz.com is not a CPA, EA, attorney, or registered investment adviser. Tax laws change. Individual circumstances vary. Consult a qualified professional licensed in your jurisdiction before making any financial decision.
Netherlands historically allows 100% LTV — among the most generous in Europe. Long fix (10/20/30y) is the norm. Hypotheekrenteaftrek (mortgage interest tax deduction) made 30y interest-only legal but post-2013 new loans must amortise to claim the deduction. NHG state guarantee available below cost ceiling.
Typical fixed-rate band
3.50–4.00%
2026 headline range
Typical floating / variable
4.00–5.00%
Tracker / SVR / EBLR / EIBOR / SORA…
Max LTV
100%
Typical deposit 0%
Typical term
30 yrs
Boeterente — applies if rates have fallen since origination
Pre-populated with the median fixed rate, typical deposit %, and typical term from NL lenders. Override any input. Stamp / transfer / property tax not modeled — see the sources block below for binding affordability rules.
Loan amount
€450,000
LTV 100.00%
Monthly P&I
€2,084
30y at 3.75%
Total interest
€300,247
Total cost €750,247
Stamp / transfer / property tax differs widely by jurisdiction and is not modeled here. See the country's sources block below for the binding rules.
Overdrachtsbelasting 0% (FHB ≤€510K), 2% (owner-occupier), or 10.4% (investor / second home).
On top of the home price — that's 3.2% of the price.
| Line item | Amount |
|---|---|
Overdrachtsbelasting (owner-occupier) 2% rate for primary-residence purchases. | €9,000 |
Notary fees Combined deed of transfer + mortgage deed; required by Dutch civil code. | €1,800 |
Property valuation Required by lenders since the 2018 Code of Conduct change. | €700 |
Technical inspection Recommended for older homes (pre-1990). | €400 |
Mortgage advisor (hypotheekadviseur) Flat fee; commission-based remuneration banned since 2013 for residential mortgages. | €2,500 |
| Total | €14,400 |
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What this calculator does NOT cover:
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Last reviewed
April 28, 2026
Reviewed by
infoz Editorial Team — Editor, Web Publishing Corp
NL mortgage market — typical rate bands and structural quirks compiled from each country's central-bank statistical release for 2026.
Numbers, schedules, and source citations on this page are checked against primary sources during each review cycle. Spot something outdated or wrong? Report an inaccuracy — we triage every report within 7 days.