When is it worth refinancing my mortgage?

It mainly pays off when the market rate is well below your own, or when your fixed-rate period is almost up. Do watch the penalty interest and advice costs, as they eat into part of your gain. Our refinancing calculator shows in a few minutes whether it adds up.

What does a mortgage adviser cost?

A first orientation meeting with an independent adviser in your region costs you nothing and commits you to nothing. Only once you actually take advice and arrange a mortgage do you pay for it. You'll hear what that costs upfront, not afterwards.

How does releasing home equity work?

If your home is worth more than your outstanding mortgage debt, you have home equity. You free that money up by increasing or refinancing your mortgage, for instance for a renovation or a gift to the children. Our home equity tool works out how much there is for you.

What is the difference between annuity and linear?

With an annuity mortgage your gross monthly amount stays the same: first you pay mostly interest, later mostly repayment. With a linear mortgage you repay the same amount each month, so your monthly payments slowly fall. Linear is cheaper over the full term, but you start with higher payments.

Calculate your mortgage after a divorce.

See your financial options after a divorce, whether you stay in the home or buy a new house.

Divorce and mortgage calculation

What happens to your mortgage when you get divorced? With a home in both your names, sooner or later you will have to divide it up. Perhaps you or your ex-partner want to stay in the home, but you could also decide to sell the house together and pay off the mortgage with the proceeds. Any residual debt or surplus value then has to be divided. After all, you are both jointly liable. Whatever you choose, a divorce involves a lot.

It is important to look closely at the different situations and use that to work out what is possible. Despite the emotionally difficult time you may be going through, it is important to settle the finances as well as you can. A mortgage and a divorce call for expert advice and professional guidance. Whichever option you choose, experience shows that peace of mind about the finances and the mortgage leads to a better divorce process.

Calculating your mortgage after a divorce?

Curious about your options for a mortgage after a divorce? You can use our handy tool. This gives you a clear picture of your financial position and of your options for buying a new house. You can also easily calculate the options for staying in your current home with our divorce and mortgage tool.

Does it turn out that you can take out a new mortgage, or that it is better to sell the home together? Whatever your situation, a specialist can give you sound advice about the available options. To make the division fair and to make sure that neither party is faced with unpleasant surprises down the line.

Request a free, no-obligation consultation with an expert who can tell you more about divorce and the mortgage. You can request this using the form above. Professional advice tailored to your personal situation.

Mortgage and divorce: what is involved?

Divorce and the mortgage bring a number of important tax and financial matters with them. Something you can look at in a relaxed way with a specialist, knowing that no important issues are overlooked. Here are a few important parts of the division:

Dividing the household contents;
Dividing the assets;
Dividing the debts;
Divorce and the pension.

Dividing the household contents

A fair and practical division of the household contents helps both of you to process and close this chapter in the best way. For example, it is often sensible to leave built-in kitchen appliances in the home and to make sure that as little as possible changes for the children.

Dividing the assets

Assets include things like joint savings accounts, insurance policies and any cars or shares you own. If you managed these together, it is important to divide them fairly. This is an important part that, like the mortgage and the divorce, you will have to deal with.

Dividing the debts

Are there debts on the other side? Those have to be divided too, if you took them on together. Is the mortgage underwater during the divorce? Or is the house sold at a loss because it had to happen quickly? Like debts from the past, all of this can affect the division. A specialist can help you look at this properly.

Divorce and the pension

Finally, when getting divorced it is important to take the pension into account. For a fair division of it and so that you can each build up your own pension separately afterwards.

Mortgage after divorce: calculate online

Curious about your options for a mortgage after a divorce? You can use our tool, so that you get a clear picture of your financial position and of your options for buying a new house or staying in the home.

Does it turn out that you can take out a new mortgage, or that it is better to sell the home together? In all the different situations, a specialist can give you sound advice about the available options and help make the division fair, so that neither of you is faced with any tax or financial skeletons in the closet down the line.

Request a free, no-obligation consultation with a specialist who can tell you more about divorce and the mortgage. You can request this using the form above. Professional advice tailored to your situation. To explain in plain language what your options are and what you need to keep in mind.

How it works

Three steps to clarity

Enter your details

Your income, any partner, and your preferred fixed-rate period. No passport or BSN needed.

See your maximum amount

We calculate using the 2026 Nibud standards and the current rates of more than 40 providers.

Talk it through with an adviser

Want to dig deeper? We connect you, with no obligation, to an independent adviser near you.

What you get

A clear picture straight away

No sales talk, no obligations. Just the figures you need to move forward.

On a single screen you see

The full result of your calculation, clearly laid out and in plain English.

Your maximum mortgage amount
The matching gross and net monthly payments
An indication of the interest rate per fixed-rate period
Whether NHG is achievable for your situation

Frequently asked questions

Everything about calculating your mortgage

How much mortgage can I get in 2026?

That mainly depends on your gross annual income, the interest rate, your fixed costs and the mortgage type you pick. The maximum follows from the Nibud standards, which are set again every year. Work it out in two minutes with our mortgage calculator.

What is the current mortgage interest rate?

The rate changes by the day and varies by provider, fixed-rate period and mortgage type. So there is no single "the" mortgage rate. On our rates page you'll find the rates of more than 40 Dutch providers side by side.

Can I get a mortgage if I am self-employed?

Certainly. Often it's possible after just one year in business. Most providers look at your average profit over the past one to three years. Make sure your annual figures are in order and keep an accountant's statement with a forecast on hand if needed.

What is the NHG limit in 2026?

In 2026 the NHG limit sits at €470,000. Put money into energy-saving measures and it can rise to €498,200. NHG gives you extra security and usually a lower interest rate. Our calculator shows whether you fall under it.

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