Your first mortgage: what you need to know

A mortgage is a loan used to purchase a home. The property serves as collateral: if you can no longer repay the loan, the lender can sell the property to settle the debt. In the Netherlands, mortgages typically run for 30 years and are structured as annuity or linear repayment.

How much can you borrow?

How much you can borrow depends on your gross income and the property value. Lenders apply an income standard (housing cost ratio) that determines what portion of your income may go toward housing costs. In addition, a loan-to-value standard applies: in 2026, you may borrow a maximum of 100% of the property value. A partner's income is generally partially included.

Buyer's costs (kosten koper)

In addition to the mortgage, you need your own funds for the so-called buyer's costs. These include transfer tax (2% for buyers over 35 or properties above €510,000; 0% for first-time buyers up to that threshold), notary fees, valuation fees and advisory fees. Budget for approximately 4 to 6% of the purchase price in additional costs.

National Mortgage Guarantee (NHG)

NHG is a government guarantee on your mortgage. If you can no longer pay the mortgage due to unemployment, disability, death or relationship breakdown, the NHG foundation can in certain cases help with any residual debt. In 2026, NHG applies to properties up to €435,000 (or €522,000 with energy-saving measures). NHG costs a one-time 0.6% of your mortgage amount, but typically yields a lower mortgage rate.

Disclaimer

This is general information, not personal mortgage advice. The standards and amounts in this article are indicative and subject to change. A Wft-certified advisor will assess your situation based on your current details.