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 renovation mortgage.

Discover the maximum you can borrow to renovate or make your home more sustainable.

What is a renovation mortgage?

A renovation mortgage is an additional loan on top of your existing mortgage, specifically intended to finance renovations or improvements to your home. Your current mortgage continues unchanged. This means that, unlike with refinancing, no early repayment penalty applies. The process for applying for a renovation mortgage is similar to that of your first mortgage. You can apply for this mortgage with your current provider, but also with another provider. You can choose from various mortgage types.

A renovation mortgage can be tax-efficient, because the interest on a linear or annuity mortgage is deductible if you can demonstrate that the money is used for home improvement. The interest is not deductible if the loan is used for other expenses, such as a car or a second home.

Calculating a renovation mortgage

Whether you can get a renovation mortgage depends on factors such as your income, the size of your current mortgage, and the value of your home. We also look at any debts and other financial commitments, such as partner alimony. With our tools you can easily calculate the maximum you can borrow for a renovation.

Your gross income is the basis for calculating your renovation mortgage. You can borrow a maximum of one hundred percent of the value of the home. An existing mortgage continues to run, so you must include this loan in the calculation as well. The maximum amount you can borrow for a second mortgage loan is roughly the maximum loan based on your income minus the first mortgage.

Benefits of a renovation mortgage

If you meet all the conditions, a renovation mortgage gives you the opportunity to finance your renovation at a favourable interest rate. Your home serves as collateral, which lowers the risk for the provider. If you are unable to repay the loan, the provider can sell the house to recover the outstanding amount. As a result, you usually pay a lower interest rate than with a personal loan or consumer credit.

Alternative: increasing your mortgage

In some cases you can also increase your existing mortgage instead of taking out a second mortgage. This is possible if the registration with the notary is higher than the amount originally borrowed, or if you have repaid a lot, creating enough room. This is called a private increase. Another alternative is to make use of the surplus value on your home. The extra loan that becomes available can be used for home improvements, similar to a second mortgage. The major advantage of a private increase is that you do not have to go back to the notary, which saves costs. Keep in mind, however, that this ties you to your current mortgage provider.

Pros and cons of a renovation mortgage

The main advantage of a renovation mortgage is that you can choose which provider you want to take out the mortgage with. This gives you the freedom to find the best interest rate and conditions, even if that is with a different provider than your original mortgage. An independent mortgage adviser can help you compare the various options.

Another advantage is that with a renovation mortgage you can often borrow at a lower interest rate than with consumer credit. This is because your house serves as collateral, which lowers the risk for the bank. In addition, you can pay off existing loans, such as a personal loan with a higher interest rate, using your renovation mortgage. Keep in mind, though, that the interest is only tax-deductible if you use the money for home improvement.

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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