Mortgage information
Everything you need to know about your mortgage
From viewing a house to refinancing and making your home more sustainable. No jargon, just the facts.
Buying a home
13 articles- Buying a Second Home and the Mortgage
- Buying or renting?
- Construction deposit: money for renovations
- Holiday Home and a Mortgage
- Mortgage for properties abroad
- Owners' Association (VvE)
- Purchase agreement / Preliminary purchase contract
- Purchase Costs of a Home
- Structural survey
- Transfer Tax (Overdrachtsbelasting) in 2026
- Using your own money towards a mortgage
- Valuation report: determining your home's value
- Viewing a house: what should you look out for?
Illness and your mortgage
1 articleMortgage application process
18 articles- A Loan Alongside Your Mortgage
- Annual Income as the Basis for Your Mortgage
- Calculating a Mortgage When You Have a Loan
- Calculating Your Mortgage Based on Net Income
- Family Mortgage: Borrowing From Your Parents to Buy a Home
- Hidden Defects
- How Does a Mortgage Application Work?
- Is the Mortgage Arrangement Fee Tax-Deductible?
- Maximum Mortgage 2026: How Much Can You Borrow?
- Mortgage and a Gift
- Mortgage Term: How Long Should Your Mortgage Run?
- Mortgage With Two Incomes: How Much Does the Second Income Count?
- NHG: The National Mortgage Guarantee Explained
- Pension and a Mortgage
- Signing Your Mortgage at the Notary (Passeren)
- Student Debt and Mortgages
- Taking Out a Mortgage Online
- What Do 'Kosten Koper' and 'Vrij op Naam' Mean?
Key terms
17 articles- Accessing or Calculating Your Home Equity
- Apartment Right (Appartementsrecht)
- Bank Guarantee / Deposit
- BKR Registration
- Calculating Your Mortgage with a Permanent Contract or Letter of Intent
- Cohabitation Agreement (Samenlevingscontract)
- Deed of Transfer
- Depot Interest (Depotrente)
- Discharging Your Mortgage (Royeren Hypotheek)
- Foreclosure Value (Executiewaarde)
- Ground Lease (Erfpacht)
- Mortgage renewal offer
- Service charges for an apartment
- The Kadaster (Dutch Land Registry)
- Variable or fixed interest rate?
- What is a woekerpolis (endowment scandal policy)?
- WOZ property valuation
Your current mortgage
15 articles- Divorce and Your Mortgage
- Eigenwoningforfait (Imputed Home Value)
- Health Declaration
- Increasing Your Mortgage or Taking Out a Second Mortgage
- Interest Rate Averaging
- Mortgage Interest Deduction
- Mortgage Switching Penalty
- Parents acting as guarantor for a mortgage
- Paying Off Your Mortgage
- Preliminary Tax Refund (Voorlopige Teruggave)
- Proof of ownership
- Social Purchase Home
- Starterslening (Starter Loan)
- Subsidies and Schemes
- Tax benefits when buying your own home
Calculations
1 articleTips
2 articlesSustainability
2 articles
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