What is NHG and how does it help Dutch mortgage borrowers?

Nationale Hypotheek Garantie (NHG) provides a government guarantee on mortgages up to €435,000 (2024), reducing the lender's risk and allowing lower interest rates (0.3–0.6% less).

Can Dutch mortgage interest be deducted from income tax?

Yes. Mortgage interest on a primary residence is deductible from income tax in Box 1 (hypotheekrenteaftrek), though the maximum deduction rate has been gradually phased down to 36.97% (2024).

Netherlands Mortgage (Hypotheek) Calculator

Calculate Dutch mortgage (hypotheek) repayments and maximum borrowing. Netherlands allows mortgage deduction (hypotheekrenteaftrek) on primary residence. Maximum LTV is 100% of home value. NHG (Nationale Hypotheek Garantie) available for mortgages up to €435,000 (2024).

Principal ($)

Annual Rate (%)

Years

Compounding / Year

$ Finance Disclaimer: These calculators are for educational and illustrative purposes only. Results do not constitute financial advice. Consult a licensed financial advisor before making investment or borrowing decisions.

How to Use

Enter the values for the scenario you are assessing. Calculate Dutch mortgage (hypotheek) repayments and maximum borrowing. Netherlands allows mortgage deduction (hypotheekrenteaftrek) on primary residence. Maximum LTV is 100% of home value. NHG (Nationale Hypotheek Garantie) available for mortgages up to €435,000 (2024). Use the netherlands hypotheek result to inform your calculation.

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Frequently Asked Questions

What is NHG and how does it help Dutch mortgage borrowers?

Can Dutch mortgage interest be deducted from income tax?