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Calculate monthly mortgage repayments

Understanding your monthly mortgage payments is the first step toward buying your dream home. Our calculator helps you set a clear budget and see how monthly repayments fit into your finances. For a personalised report and expert advice, contact our mortgage advisors today.

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Your monthly repayment estimate

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  • Maximum mortgage: € 0
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10+ years of experience with expats

Are mortgage interest payments tax-deductible in the Netherlands?

  • In the Netherlands, homeowners may be eligible for tax benefits on mortgage interest if they meet certain requirements. Each year, the interest paid on a residential mortgage can be deducted from taxable income—a benefit known as the “hypotheekrenteaftrek”, or mortgage interest deduction.

  • The way the deduction is received depends on the individual’s preference: it can be claimed monthly or annually through the tax return, effectively reducing taxable income throughout the year or as a single annual adjustment.

  • For example, if your mortgage interest amounts to €18,000 per year and you are eligible for the full deduction, you can expect to receive approximately €6,600 per year back. The mortgage interest deduction is considered one of the key benefits of owning a home versus renting in the Netherlands.

How can the OHAO team help you with your mortgage?

With over 10 years of experience, the OHAO mortgage advisors help you navigate the Dutch mortgage process with ease and confidence.

It is simple: book a free, no-obligation call with one of our mortgage advisors. We ask a few questions about your income, bonuses, and savings, and calculate your maximum mortgage based on your situation.

You also receive a detailed report that shows not only your maximum mortgage but also how your payments could look over time, depending on the mortgage type, duration, and interest rate.

We partner with over 40 mortgage banks and lenders, giving you access to the most competitive interest rates available at any given time—ensuring you get the best deal for your mortgage.

  • Competitive advisory fees from €2,495
  • Expat mortage experts
  • Clear, fast, and personal guidance

Our happy clients

We focus on delivering great results — and our clients feedback tells the rest of the story.

5/5 based on 194 reviews

We had a great experience throughout our mortgage process. Toni was very helpful and professional during the initial intake, while Luc provided excellent guidance and support throughout the rest of the process. Both were friendly, knowledgeable, and responsive, making everything clear, easy, and smooth. Thank you both for your excellent service! Highly recommended!

Oussama Beltaif

08-11-2026

Bart was the first financial advisor we contacted on a friend’s recommendation, and right after our initial orientation, we knew we didn't need to look any further. ​Now that we have successfully purchased our first home, we can’t thank Bart enough for the huge role he played in making it happen. As first-time buyers, the process can feel overwhelming, but Bart was a true professional from start to finish. He explained every single step with great clarity, evaluated our documents promptly, and patiently answered our endless stream of questions. His proactive support during the bidding phase also made a massive difference. Bottom line, he possess excellent knowledge about his work. ​A sincere thank you to Bart, we couldn't have asked for a better advisor and wholeheartedly recommend him to anyone looking to buy a home!

Neel Kamal Bharadwaj

07-11-2026

Excellent service from start to finish. Friendly, responsive, and always willing to help. All required paperwork was handled on time, and any questions were answered quickly by email. I particularly appreciated the extra effort in checking and assisting with documents beyond the agreed scope. His support made the whole mortgage process clear and stress-free. Highly recommended!

Leyli Alakbarli

26-09-2026

A fantastic service from Toni and the whole team at OHAO. I would strongly recommend them. As first-time buyers, we had a lot of questions and a slightly complex mortgage application, but Toni guided us through the process brilliantly. Everything was communicated clearly and in a timely manner, and he was always quick to respond and happy to explain things. We were recommended OHAO by a colleague who had a great experience with them, and we’re very happy we followed their recommendation. Excellent service from start to finish!

Hasara Dinushika

07-09-2026

Very satisfied with my experience with OHAO. From the very first conversation with Toni van der Flier, everything was explained clearly, and I felt well guided throughout the entire mortgage process. Communication was pleasant and straightforward, questions were answered quickly, and I always knew where things stood. During Toni’s absence, Bart Kooijman took over my case, and that transition also went very smoothly. I’m very happy with the support I received from both Toni and Bart, and I would definitely recommend OHAO to colleagues, friends, and family.

remi autar

31-08-2026

I would like to express my appreciation for the excellent service I received from OHAO during my renovation mortgage application. This was the second time I used OHAO’s advisory services for a mortgage application. The process was quite challenging, and it is difficult to fully describe the complexity of the application in a review. However, thanks to the expertise, dedication, and professionalism of my advisor, Bart, I was able to successfully obtain the mortgage. In fact, the outcome exceeded my expectations. I am extremely grateful for the guidance and support provided throughout the entire process. Millions of thanks to Bart and the OHAO team for the outstanding service and commitment to their customers.

mehdi khamseh

31-07-2026

This is the second time I have used OHAO for my mortgage needs, and once again I had an excellent experience working with Luc. Luc is highly professional, knowledgeable, and genuinely cares about finding the best solution for his clients. Throughout the entire process, he provided clear and honest advice, kept me informed at every step, and was always available via email or call whenever I had questions. His responses were always quick, and he made what can be a complicated process feel straightforward and stress-free. What I appreciate most is that Luc takes the time to explain everything in detail and ensures you fully understand your options before making any decisions. His expertise, reliability, and dedication gave me confidence from start to finish. I would highly recommend Luc and the OHAO team to anyone looking for mortgage advice. Their service is professional, efficient, and customer-focused. I wouldn't hesitate to work with them again in the future.

Malik

01-06-2026

Book a free consultation with our team

Our expert team, trusted by expats for over 10 years, provides 5-star service, transparent advice, and competitive fees — making your home-buying journey simple and affordable.

Robin Uijtdehaage

Mortgage Advisor

Robin, the best mortgage advisor for expats at Ohao, with over 10 years of experience helping many expats successfully find homes within the Netherlands

Bart Kooijman

Mortgage Advisor

Luc Zwaan

Mortgage Advisor

Luc, leading mortgage advisor at Ohao, known for outstanding service, expert guidance, and backed by many 5-star client reviews.

Toni van der Flier

Mortgage Advisor

Mortgage advisor Toni from Ohao, representing high standards of customer service and a company recognized with numerous 5-star reviews.