Calculate bridging-mortgage costs and repayment
What would you like help with?
Detailed explanation, checklist and sources
A bridging mortgage can temporarily release expected equity before your old home is transferred. Calculate costs using a concrete loan proposal and your timeline. Paper equity is not automatically the amount you can borrow.
On this page
1. Build a purchase and sale timeline
Record both completion dates, sale status and cancellation conditions. Keep the valuation, sale agreement and outstanding mortgage balance. Sale proceeds only become available at the agreed time; a signed sale agreement is not cash received.
2. Confirm the available loan
Ask the lender which bridging amount, valuation and selling costs it uses. Acceptance may differ for an unsold or sold property. Do not treat a general percentage of asking price or equity as a credit commitment. Have temporary affordability assessed too.
3. Calculate a simple interest scenario
For unchanged principal B and nominal annual rate r percent, simplified monthly interest is B × r / 1,200. Fictionally, €60,000 at 5% gives €250 monthly and €1,500 over six full months. This is not a current rate. Daily calculation, changing rates or drawdowns alter the actual result.
4. Add overlapping housing payments
Add the old and new gross mortgage payments, bridging interest and other overlapping housing costs each month. List one-off fees separately. Interest does not repay the bridging principal. Keep unknown amounts visible and do not count potential tax relief as an immediately available discount.
5. Plan repayment and delays
Record contractual maturity, repayment on completion and any extension conditions. Also calculate more overlap months and lower sale proceeds; these are scenarios, not forecasts. Discuss a shortfall or delay with the lender early. Extension or refinancing is not automatic.
6. Check tax and save your record
Belastingdienst gives separate guidance on temporarily owning two homes and bridging interest. Check it against moving dates and property use. Save amounts, assumptions, proposal and questions. Use our own help request for a legal dispute about terms or charges.
Belastingdienst · Tijdelijk twee woningen en overbruggingshypotheek ↗
Can I automatically bridge all estimated equity?
No. The lender assesses property value, sale status, existing debt and affordability, among other matters. Our interest sum uses only a loan amount you supply; it does not calculate your maximum bridging loan.
Documents to prepare
Prepare your next stepFill in and save · Word
Tick what you have checked or collected. Note what is missing and take your overview to a meeting.
Unless saved in My overview: Your entries stay only on this screen. Download before leaving; closing or reloading clears them. Do not enter identity numbers, passwords or unnecessary personal details.
What do you still need for your next step?
Item 1 / 6 · Where do you stand with this item?
Purchase and sale dates with conditions
This overview follows your own answers. It does not assess your rights or guarantee that your file is complete.
Your choices stay here. Use the buttons below if you want to save or download.
View all details, notes and timeline
Your timeline and evidence
List events and contacts. Note where you keep the evidence; no upload is needed.
What goes in my timeline?
Record what happened, when, the response and where to find the letter, message or photo. Mark uncertain dates.
Is my evidence sent?
No. You only note where it is kept. No files are uploaded or sent automatically.
How do I save my timeline?
Your entries are not saved automatically. Choose Save and continue later to store this preparation, including your timeline, in My overview. Wait for confirmation and save new changes again. You can also download a Word file without an account.
Up to 20 events. Choose a different position for an event to change the order.
0 / 6 · Checked or collected
For each event, note the date, what happened and where the evidence is kept. Example: 3 October — letter received — correspondence folder.
Describe the solution you would like, such as an explanation of a deduction and repayment of the outstanding amount.
For example: which document is missing, who can provide it and what should I do first?
Record the date and its source. If unknown, note this and check promptly. This tool does not calculate or monitor deadlines.
After your conversation
These are your own notes. Confirm agreements with the other person; these notes do not prove their agreement.
This is your preparation, not a submitted request, objection or legally reviewed document. A tick records only your own progress. Check the procedure and deadline in the original letter.
Save and continue later
Clear entries
Download anything you want to keep first. Clearing cannot be undone.
- Purchase and sale dates with conditions
- Valuation, selling costs and existing debt
- Confirmed bridging amount and rate
- Old, new and other overlapping costs
- Maturity, repayment and delay scenario
- One-off costs, tax questions and unknown amounts
Contact with a lawyer
You can use the chat and information without a phone number. A contact request requires a phone number, a verified email address and your wish for telephone contact. Our team assesses which partner fits your question. Data is shared only under the stated consent procedure. A partner or engagement is not guaranteed.
View the current application processSources
Need personal assistance? Request a lawyer through our chat. We explain the next step; submitting a request does not engage a lawyer. The links below support the legal information.
Vereniging Eigen Huis · Overbruggingskrediet ↗AFM · Betalingsrisico ↗Belastingdienst · Tijdelijk twee woningen en overbruggingshypotheek ↗AFM · Hypotheek betalen ↗Sources may be in Dutch. General information about Dutch law, not individual legal advice.