Expat Mortgage Calculator – Calculate Your Dutch Mortgage
With our Expat Mortgage Calculator, you can quickly estimate how much you may be able to borrow for a home in the Netherlands. This gives you a strong first indication before you start viewing properties or making offers.
At Expat Mortgage Platform, we always recommend using the calculator as a starting point – and then confirming the outcome with a free, personal consultation.
Important note:
Many expats can borrow more than the calculator indicates, depending on income structure, employment type, and lender selection.
Want to be sure?
Book a free appointment with an expat mortgage advisor.
How the Expat Mortgage Calculator Works
Using the calculator is simple:
- Fill in your basic financial details
- The calculator provides an indicative borrowing amount
- For exact figures and lender-specific options, schedule a free consultation
At the moment, the calculation module itself is available only in Dutch.
No worries – our advisors are happy to explain the results in clear English.
What does the Mortgage Calculator Show?
The calculator gives you insight into:
- An estimated maximum mortgage amount
- A realistic purchase price range
- Whether buying may be cheaper than renting
- If additional advice is recommended
Because Dutch lenders apply different rules for expats, the result is not final – but it is an excellent orientation tool.
Benefits of Using Our Expat Mortgage Calculator
- Get an initial estimate within minutes
- Understand your borrowing capacity before house hunting
- Save time when speaking with estate agents
- Identify whether special expat-friendly solutions may apply
Use the calculator, then let us optimise the result for you.
Why the Calculator Is Indicative Only
Dutch mortgage eligibility depends on more than just income:
- Employment contract type
- Temporary vs permanent contract
- Letter of intent from employer
- Self-employment or freelance income
- Nationality and residence status
- Bonus, holiday allowance, or foreign income
Many lenders are more flexible than standard calculators assume. That’s why expats often qualify for a higher mortgage after a professional review.
Why Choos Expat Mortgage Platform (EMP)?
We are a 100% independent mortgage consultancy specialising exclusively in expats.
What Makes Us Different?
- Independent advice – we compare almost all Dutch lenders and insurers
- Tailored solutions – every expat situation is different
- Trusted by expats – average client rating of 9.8 out of 10
- Up-to-date expertise – we follow the latest rules, rates, and lender policies
Our only goal is to help you secure the best possible mortgage under the right conditions.
Certified Mortgage Advisors for Expats
Our advisors are certified mortgage advisors with extensive experience helping internationals buy property in the Netherlands.
Why Work With Our Advisors?
- Continuous professional training
- Advice in English and Dutch
- Clear explanations of complex rules
- Full guidance from calculation to notary signing
We know our way through the ‘labyrinth’ of Dutch lenders – and we’re not afraid to negotiate on your behalf.
Speak to a certified expat mortgage advisor – free of charge.
Frequently Asked Questions
Can I use the mortgage calculator if I don’t speak Dutch?
Yes. While the calculator is currently in Dutch, our advisors explain everything in English during a free consultation.
Is the calculator result final?
No. The result is indicative. Many expats qualify for a higher mortgage once income structure and lender choice are optimised.
Why should I use an independent mortgage advisor?
Banks only offer their own products. Independent advisors compare multiple lenders, giving you more options and better rates.
Ready to Calculate Your Real Mortgage?
The calculator is a great first step – but real certainty comes from expert advice.
Use our calculator, then book a free appointment to confirm your maximum mortgage as an expat.