€2,344
Netherlands · Refinance
When does switching pay back the fees?
Compare the break-even period with how long you expect to keep the new financing. OwnerCost starts with an editable 36-month planning horizon.
Example with the default inputs. Change any field to recalculate.
Break-even in 5.5 months
Break-even occurs 30.5 months before your stated horizon of 36 months. This compares timing only; it does not show whether switching is right for you.
36 months is the editable OwnerCost planning default, not a lender or regulatory threshold. Replace it with how long you expect to keep this financing before selling or switching again.
€2,071
€273
Switching costs in the Netherlands
Repaying more than your contract allows without charge can trigger a fee for early repayment (boeterente). The AFM requires that it is not higher than the lender's actual financial loss and that the calculation is clear.
Source: AFM, the Dutch financial markets authority — Early repayment of your mortgage (in Dutch)
How much you can repay without a fee, and when no fee applies, depends on your contract.
Source: AFM, the Dutch financial markets authority — Early repayment of your mortgage (in Dutch)
Checked against these sources on 24 September 2026.
What this estimate includes
- Current and new payments on today's balance over the same remaining term
- The switching costs you enter (fees, penalties, charges)
- Break-even months = switching costs ÷ monthly payment saving
What it does not include
- Penalties or fees you do not enter — none are calculated for you
- Cash-out or extra borrowing
- Changing the loan term or amortization
- Total interest over the life of either loan
- Your horizon: it only positions break-even in time and never changes the break-even figure
How we calculate
Break-even months = early repayment fee (boeterente) and other fees ÷ (current payment − new payment). Monthly rate = quoted nominal annual rate ÷ 12. Payment = P·i / (1 − (1 + i)^−n) over n months.
Rules checked against these sources on 24–25 September 2026.