Include home equity:

• Calculate:

  1. Calculate whether you  equity in your house  (based on your  WOZ value).

• Consider:

  1. Think about what you would like to do with your equity. A renovation? Want to make your home more sustainable? Supplement your pension?

• Discuss:

  1. Discuss your options for withdrawing the surplus value with a mortgage advisor.

• Determine:

  1. Decide together how you want to cash in on your equity:  increase the mortgage, take out a  mortgage, sell your home and rent it back,  move  or  refinance.

• Take:

  1. Withdraw the surplus value by setting everything in motion together with the mortgage advisor.

• Usage:

  1. Use your surplus value for  renovation,  sustainability  or other wishes.

• When to transfer your mortgage?

  Refinancing your mortgage is interesting if there is a financial advantage to be gained. This is often the case when the current mortgage interest rate is much lower than the interest you are currently paying. Do you want to know when refinancing your mortgage is beneficial for you? Calculate it easily with our Transfer Check.

• What costs should I take into account if I refinance?

  Unfortunately, it is not possible to transfer your mortgage free of charge. Take into account the penalty interest, appraisal costs (average €500) and notary costs (average €700). In addition, there are additional consultancy and mediation costs (an average of €2,500). Don't forget any other costs, such as surety fees for NHG mortgages

• Why is a penalty charged when you refinance your mortgage?

  If you take out a mortgage with a mortgage provider, you agree on a fixed interest period, for example ten years. If you want to get out of this contract sooner by transferring your mortgage, the mortgage provider will miss out on this expected interest and ask for compensation. This compensation is also called penalty interest.

• How is the amount of the fine determined?

  The amount of the penalty interest depends on the remaining term of your fixed interest period, the amount of your current interest and the amount of current interest. The mortgage provider often allows you to repay a percentage each year without penalty, for example ten percent. This amount will be deducted from the penalty interest. An additional advantage is that the penalty interest is tax deductible. Calculation example: You have a mortgage of € 200,000. Your fixed interest period expires in two years. You currently pay five percent interest. The current interest rate is 1.5 percent. If you refinance, you will pay off your current mortgage. You can repay 10 percent, or € 20,000, without penalty. That leaves €180,000. The interest difference between your current interest rate (5%) and the current interest rate (1.5%) is 3.5% per year. If you transfer now, the bank will miss out on 7% (2 x 3.5%) interest on € 180,000. The penalty interest is therefore (approximately) 7% of € 180,000, or € 12,600.

• Can I also transfer my mortgage with my own bank?

  You can transfer your mortgage to another bank if that is cheaper. But perhaps your current bank is the ideal party. We are also ready to help you transfer the mortgage under the most favorable conditions possible.

• What is the current mortgage interest rate?

  We give you the most current interest rate overview from more than 40 mortgage providers.

• The mortgage interest rate forecast in 2023?

  Curious about interest rate developments in 2023? Our three interest rate experts from ABN AMRO, ING and Obvion share their expectations about short- and long-term mortgage interest rates every other week.

• How much can I borrow? Mortgage rules 2023

  In 2023 you can borrow a maximum of 100 percent of the home value. This means that you must pay the additional costs, the buyer's costs, from your own money. If you opt for a mortgage with National Mortgage Guarantee, this is possible in 2023 up to a home value of € 405,000.

• An annuity or linear mortgage?

  With our calculation tool you can calculate both an annuity mortgage and a linear mortgage. We are happy to explain the difference between these mortgage types.

• How does a maximum mortgage calculation work?

  With a maximum mortgage calculation you can calculate a mortgage independently. The mortgage calculator calculates the maximum amount you can borrow for a mortgage based on the information entered (such as your income and any loans or debts) and the current interest rates. The calculation is an indication, so that you know within which price range you can search for homes.  

• Can I also calculate the monthly costs of my maximum mortgage?

  Of course! A special monthly costs calculation tool has been developed. By entering, among other things, the desired mortgage amount and your gross annual salary, you can calculate within a few minutes how high the estimated monthly costs of your mortgage will be, both net and gross.

• How much of our own money do we need for a mortgage?

  If you take out a mortgage, there will be a number of costs involved. Since January 1, 2018, you can no longer finance these costs in your mortgage. You therefore need your own money if you are going to buy a house. You should then consider an amount of approximately four to six percent of the purchase price.

• I am self-employed. How can I calculate my maximum mortgage?

  We have taken self-employed entrepreneurs into account in the calculation tool. 

Refinance a mortgage:

• Orientate:

  Before you take out mortgage bearings . What type of mortgage and what interest rate do you have now, what are your monthly mortgage payments , what are the current interest rates? A mortgage advisor can help you identify your current situation and investigate whether a mortgage conversion is beneficial for you. The orientation meeting is without obligation and free of charge.

• During an interview with the mortgage advisor:

  The advisor will map out your financial situation and look at the options. When refinancing your mortgage, you usually pay a fee for early repayment (penalty interest). The advisor calculates the payback period if you refinance. Refinancing is not beneficial in all situations. For example, if you have a savings mortgage, transferring your mortgage interest rarely provides an advantage. However, it is wise to thoroughly examine your financial situation. In many other cases, transferring your mortgage can actually result in significant savings in monthly costs. The advisor will tell you everything you need to know to make the right decision.

• Arrange your mortgage:

  Have you decided to refinance? Then it's time to arrange your mortgage. To do this, you provide various documents to your advisor, such as your salary slip and current mortgage information. It is often also necessary to have your home appraised. Once all documents have been submitted, your advisor will write out advice and start applying for the mortgage.

• Sign the mortgage offer:

  When the chosen mortgage provider agrees to all documents, you will receive the mortgage quotation: the binding offer. After signing the offer, you can start counting down until the day your mortgage is finalized.

• To the notary:

  You go to the notary not only when buying a house, but also when transferring a mortgage. The notary cancels your old mortgage and registers your new mortgage in the Land Registry. After this, everything has been arranged and you can start enjoying your lower monthly costs. Congratulations!

• When to transfer your mortgage?

  Refinancing your mortgage is interesting if there is a financial advantage to be gained. This is often the case when the current mortgage interest rate is much lower than the interest you are currently paying. Do you want to know when refinancing your mortgage is beneficial for you? Calculate it easily with our Transfer Check.

• What costs should I take into account if I refinance?

  Unfortunately, it is not possible to transfer your mortgage free of charge. Take into account the penalty interest, appraisal costs (average €500) and notary costs (average €700). In addition, there are additional consultancy and mediation costs (an average of €2,500). Don't forget any other costs, such as surety fees for NHG mortgages

• Why is a penalty charged when you refinance your mortgage?

  If you take out a mortgage with a mortgage provider, you agree on a fixed interest period, for example ten years. If you want to get out of this contract sooner by transferring your mortgage, the mortgage provider will miss out on this expected interest and ask for compensation. This compensation is also called penalty interest.

• How is the amount of the fine determined?

  The amount of the penalty interest depends on the remaining term of your fixed interest period, the amount of your current interest and the amount of current interest. The mortgage provider often allows you to repay a percentage each year without penalty, for example ten percent. This amount will be deducted from the penalty interest. An additional advantage is that the penalty interest is tax deductible. Calculation example: You have a mortgage of € 200,000. Your fixed interest period expires in two years. You currently pay five percent interest. The current interest rate is 1.5 percent. If you refinance, you will pay off your current mortgage. You can repay 10 percent, or € 20,000, without penalty. That leaves €180,000. The interest difference between your current interest rate (5%) and the current interest rate (1.5%) is 3.5% per year. If you transfer now, the bank will miss out on 7% (2 x 3.5%) interest on € 180,000. The penalty interest is therefore (approximately) 7% of € 180,000, or € 12,600.

• Can I also transfer my mortgage with my own bank?

  You can transfer your mortgage to another bank if that is cheaper. But perhaps your current bank is the ideal party. We are also ready to help you transfer the mortgage under the most favorable conditions possible.

• home
• private
• Maximum mortgage

• home
• part
• Maximum mortgage

Calculate maximum mortgage:

• What is the current mortgage interest rate?

  We give you the most current interest rate overview from more than 40 mortgage providers.

• The mortgage interest rate forecast in 2023?

  Curious about interest rate developments in 2023? Our three interest rate experts from ABN AMRO, ING and Obvion share their expectations about short- and long-term mortgage interest rates every other week.

• How much can I borrow? Mortgage rules 2023

  In 2023 you can borrow a maximum of 100 percent of the home value. This means that you must pay the additional costs, the buyer's costs, from your own money. If you opt for a mortgage with National Mortgage Guarantee, this is possible in 2023 up to a home value of € 405,000.

• An annuity or linear mortgage?

  With our calculation tool you can calculate both an annuity mortgage and a linear mortgage. We are happy to explain the difference between these mortgage types.

• How does a maximum mortgage calculation work?

  With a maximum mortgage calculation you can calculate a mortgage independently. The mortgage calculator calculates the maximum amount you can borrow for a mortgage based on the information entered (such as your income and any loans or debts) and the current interest rates. The calculation is an indication, so that you know within which price range you can search for homes.  

• Can I also calculate the monthly costs of my maximum mortgage?

  Of course! A special monthly costs calculation tool has been developed. By entering, among other things, the desired mortgage amount and your gross annual salary, you can calculate within a few minutes how high the estimated monthly costs of your mortgage will be, both net and gross.

• How much of our own money do we need for a mortgage?

  If you take out a mortgage, there will be a number of costs involved. Since January 1, 2018, you can no longer finance these costs in your mortgage. You therefore need your own money if you are going to buy a house. You should then consider an amount of approximately four to six percent of the purchase price.

• I am self-employed. How can I calculate my maximum mortgage?

  We have taken self-employed entrepreneurs into account in the calculation tool.