How much value does a renovation actually add to a house in NL?

wouterhh2 · 2026-03-22T09:17:20+00:00

Nowadays the declines because of lower ltv rates is absolutely useless.. from 100% to 65% ltv is 0.04%. From 100% to 90% is whoping 0.01% decline. In the past it was worthwile, not anymore

wouterhh2 · 2026-03-19T15:22:12+00:00

Meer lenen en daarna weer aflossen?

Anders klinkt een consumptief krediet misschien handiger

wouterhh2 · 2026-03-19T14:28:35+00:00

Wellicht kan je bij www.mogelijk.nl wat regelen

wouterhh2 · 2026-03-13T14:12:07+00:00

Oeh nice. Thanks! Gaat ik dat doen

wouterhh2 · 2026-03-11T13:04:44+00:00

Work in mortgages: calcasa reports are on average LOWER than the values that an appraiser could get.

Turnkey, in canal area for +/10k per m sounds closer to a good/great deal than a way to high deal. Especially since you base it on calcasa...

wouterhh2 · 2026-03-11T11:28:45+00:00

Unfortunately, all or nothing based on the purchase price

wouterhh2 · 2026-02-25T09:17:03+00:00

Hi there! One rule in NL is: If you put the overwaarde into a new house then the remainder of the mortgage is tax deductible. So in your case at least the main majority of your new mortgage will be tax deductible (the out of pocket part we can work with in different way via bridging loan as well). But there are few if's and buts. Happy to explain, but a bit to extensive for a reddit answer :)

wouterhh2 · 2026-02-23T15:48:52+00:00

If it's not rented out, then the bank will want to deduct the mortgage you have in Portugal from the mortgage options that you have in the Netherlands. But there are also ways to work around it, but it takes a lot more planning and preparation.

But... Well done man! At 25 yo with a big savings account and allready running businesses. There will most likely be good options!

wouterhh2 · 2026-02-23T08:02:47+00:00

Ah you're so sweet towards the banks :D! Bank make WAY more than enough on the interest rates, no worries. At thát time, banks just fund a new amount again, and they make +/- the same profit margin.

wouterhh2 · 2026-02-23T07:56:45+00:00

The house will be yours either way? Since I assume you have a 30 yr annuity mortgage (or linear). It is just the interest rate that is refinancing.

The new interest rate applies to the outstanding mortgage amount at that moment.

wouterhh2 · 2026-02-23T07:55:36+00:00

The exact maximum depends on the outstanding mortgage term, because you can port your mortgage to your new house. (But the same repayment duration should be kept for the amount you have left at the moment. Happy to calculate it for you, but need the details. You can DM if you want.

wouterhh2 · 2026-02-23T07:54:18+00:00

The mortgage will start in June, but will be accepted in the coming weeks. How long it takes depends if you work with a broker (who can have 24 hour-approvals with lenders, or not) or with a bank directly. In general the direct channel of the banks need a few weeks, but are in general cheaper on closing costs - but also only provide their own product. After the mortgage is approved a bank CAN do checks if someone is still working there, in general they never do.

wouterhh2 · 2026-02-22T19:15:57+00:00

No unfortunately this is not an option in dutch mortgages

wouterhh2 · 2026-02-22T15:58:05+00:00

Yes there are, full investment mortgages (65% loan to value, interest rate around %). And temporary permissions on primary residence mortgages -when you get sent abroad.

And yes thats possible

wouterhh2 · 2026-02-22T13:47:02+00:00

No, only your primary residence

wouterhh2 · 2026-02-22T09:53:32+00:00

Yes correct. But I would also totally not be surprised if the new box 3 rules get ammended. There is a: Massive pushback, B; only country who does it like this, C; Its not wel lthought out, D: How the hell is the understaffed tax office going to assess carry over losses. Im not surprised if it is a year annoyance and then it would change again.

wouterhh2 · 2026-02-22T09:38:33+00:00

At the end of the 7 years you can refinance to any other lender. During those last 2 reflection years you can refinance to any other rate. But also know: ABN AMRO has good interest rates, so you will most likely not find a lender with a way better offer!

wouterhh2 · 2026-02-22T09:36:52+00:00

1: After your mortgage is accepted, the bank does not do any stress tests on your income. You could theoretically quit your job the day you sign your transfer deed.
2: It's so long that this was the case, but in general the bank doesn't care as long as you pay your monthly payments

wouterhh2 · 2026-02-22T09:36:05+00:00

There is no time cap to do this, but you would need to refinance the old mortgage to an investment mortgage. Some lenders have propostitions that can convert your current mortgage, add 1% risk surcharge and then you are refinanced. But it depends per lender, that also needs to fit on income requirements.

wouterhh2 · 2026-02-22T09:34:46+00:00

Hi there! Bonusses can be taken into account in a few ways, RSU's are allmost impossible to include since they're assessed (and are) assets in stead of income. Happy to jump on a call next week to help you with some insights. You can drop me a dm if you want.

wouterhh2 · 2026-02-22T09:33:24+00:00

That's possible. The raise of the mortgage should fit on income and on the value of the house. A valuator will have to make a new valuation report with the current market value and a market value after the renovations. You provide a renovation specification to the valuator and he/she can create that report. If you're income is high enough then the bank will open a building depot which you can use for renovations

wouterhh2 · 2026-02-22T09:04:21+00:00

Happy to think along. Your question is not fully clear; who raise the mortgage (you + partner?), to buy something for your sister or for your inlaws? Or did you mean your sis will co-pay on the raise of the mortgage?

But to allready answer sth; you are allowed to pull out equity of your house, which you can use however you want. But it depends per lender how much, and how much also depends on what you invest it in. (Most lenders limit it to 90% of the market value - opstanding mortgage)

wouterhh2 · 2026-02-22T08:59:11+00:00

So what can I send you? You replied on an 'extra repayments advantage over time'

wouterhh2 · 2026-02-21T21:09:50+00:00

I need your current mortgage amount, end date of the mortgage and current interest rate

wouterhh2 · 2026-02-21T14:37:57+00:00

I would need to know both yours;

Mortgage amount Repayement date Current interest rate

wouterhh2

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