Additional borrowing options: what’s possible?
Thinking about a renovation, improving energy effiency, maybe a new car or another big expense.
If you don’t have enough savings, or you want to keep your savings seperately then increasing your mortgage is an option.
Do you want to learn more and check if you are eligible? Schedule a free, no-obligation call with one of our expert mortgage advisors.
What should you know about additional borrowing in the Netherlands?
Borrowing extra on your mortgage can help fund major expenses such as home renovations, buying a second property, or even purchasing a car.
Home improvements — like a new kitchen, bathroom, insulation, or an extension — not only improve your comfort and lifestyle but can also increase your property’s long-term market value.
Some homeowners borrow extra on their mortgage by using the equity in their home — the difference between the property's current market value and the remaining mortgage. This allows them to fund the purchase of a second home or investment property, helping them grow their assets or earn rental income.
Keep in mind: borrowing extra on your mortgage increases your overall debt. It’s important to ensure your financial situation is stable and that you can comfortably afford the higher monthly payments.
Borrow extra on your mortgage — with help from the OAHO team
At OAHO, our mortgage advisors carefully assess your financial information and calculate the exact amount you can borrow. We discuss how this increase affects your monthly payments, explain any fees you must pay to increase your mortgage, and clarify the potential impact on your taxes.
Has your financial situation changed, and now you want to borrow extra on your mortgage? Schedule a no-obligation call with our mortgage advisors.
- Competitive advisory fees from €2,495
- Expat mortage experts
- Clear, fast, and personal guidance
What are the requirements for mortgage increase in the Netherlands?
Mortgage lenders will check your income to determine if you can afford the increased monthly payments.
You can only increase your mortgage if you have positive equity, which can come from property appreciation or mortgage repayments.
If you have a negative BKR registration, this can block your ability to increase your mortgage. Lenders assess all outstanding debts alongside your income.
A valuation report is required to verify your home’s current value. If you plan to renovate, the appraiser will estimate your home’s value after improvements, which may increase the amount you can borrow.
For a private mortgage increase, your mortgage must be registered with the Kadaster for the higher amount. If this isn’t the case, you may need to consider a second mortgage (tweede hypotheek) to borrow extra.
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