HypotheekKijker - Dutch Home Buying Toolkit

Comprehensive tools and knowledge for buying a home in the Netherlands. Mortgage calculations, checklists, and expert guides for first-time buyers.

Interactive Tool

Cost Analysis

Learning Center

Smooth Transition

Buyer's Costs (k.k.) Breakdown

Closing costs in the Netherlands are more than just the house price. Calculate notary fees, transfer tax, and more.

Read the Guide

Choose Your Path

Where are you in your home buying journey?

I'm just starting

Learn the basics of the Dutch housing market and how to prepare.

I'm house hunting

Calculate your monthly costs and use our viewing checklist.

I'm ready to buy

Prepare your bid and understand the closing process.

I built this because I was tired of 'free' tools that just wanted my data. No ads, no sign-ups, no nonsense — just pure clarity and structured guidance for your home buying journey.

Your complete guide to the Dutch housing market

Interactive Mortgage Visualizer

Go beyond basic math. Compare Annuity vs Linear mortgages side-by-side, visualize your debt decrease, and see the real impact of Dutch tax deductions and extra repayments over 30 years.

House Price

Interest Rate

Est. Monthly Net

Tailored Knowledge Bank

Stop Googling in circles. From bidding strategies and NHG rules to the 30% ruling and energy label impacts, our library of articles is built specifically for the Dutch housing market.

Answer the money questions first

No sign-up, nothing saved — just an honest number before you fall for a house you can't finance.

Free calculators

How much can I borrow?

Estimate your maximum mortgage — and the home price it puts in reach — from your income, the 2026 way.

How much to overbid?

See how much of a bid over asking has to come from your own savings, not the mortgage.

Buy vs rent

Project your wealth 30 years out either way, with realistic Dutch ownership costs.

Are you mortgage-ready?

A four-question check on where you stand — honest about residency, income and savings.

Professional Viewing Toolkit

Don't let a beautiful floor hide a bad foundation. Use our interactive checklist during house viewings to evaluate the property, neighborhood, and VvE like a pro.

Stress-Free Moving & Closing

From signing the purchase agreement to setting up your water and internet. Our closing timeline and moving checklist ensure you don't miss a single step in your transition.

Your Home Buying Journey

A step-by-step roadmap to navigate the Dutch housing market with confidence.

Preparation

Understand the process, costs, and get your 'Maximum Loan' statement.

Calculation

Compare mortgage types and see the impact of Dutch tax deductions.

Viewing

Evaluate properties with our comprehensive guide and interactive checklist.

Bidding

Learn about bidding strategies and resolutive conditions in the NL.

Closing

From the purchase agreement to the final visit at the Notary.

Moving

Plan your move, from municipality registration to setting up utilities.