Mortgage calculator

The maximum amount you can borrow on a mortgage is calculated based on:

• The annuity mortgage with a 30-year term. If you opt for a different type of mortgage, the monthly payment may change. 
• A fixed-rate period of 10 years. A shorter or longer fixed-rate period may affect the maximum amount you can borrow on a mortgage.
• A 0.20% client discount. We assume that you either already have a current account with us or will open one. This will give you a discount on the mortgage interest rate, provided that your salary is paid into an ABN AMRO account.
• For mortgages under € 435,000 , we use the interest rate for a mortgage covered by the Dutch National Mortgage Guarantee. 

Allowances and specific benefits can be included fully from 1 July 2024 if they are demonstrably fixed, long-term, payable in cash and have been awarded unconditionally for the applicant’s entire employment term. This type of information is specified on employer’s statements, in employment contracts or in a customer’s Collective Labour Agreement (CLA).

In the Netherlands, you can borrow up to 100% of the value of the property. The maximum amount you can borrow on a mortgage is determined based on two things: 

• Your income 
• The value of the property you want to buy 

If you are currently renting and exploring your options to buy a home, and you want to know how buying a home will affect your monthly outgoings, find out using the calculation tool at the top of this page or schedule a free orientation meeting to discuss it with a mortgage adviser. 

The interest you pay on your mortgage affects your monthly mortgage payment. How much you are charged in mortgage interest depends on the type of mortgage, how long the mortgage interest rate is valid for and the amount borrowed on the mortgage compared to the value of the property. 

You get a discount on the mortgage interest rate if your monthly income is paid into an ABN AMRO current account. This can be income from employment, your benefits, your pension, income from your own business or income from rental activities. This discount is what we call the ‘client discount’. Your current account is part of a payment package. The client discount is given only on a fixed interest rate, and it takes effect from the start of a new fixed-rate period.