Unlock your home equity

Property Value Surplus

Planning to use the surplus value of your home in the Netherlands? Domek helps internationals unlock home equity to finance renovations, lower monthly costs, support major expenses or create more financial flexibility without selling their property.

Calculate surplus

Check your home value

Google reviews

4.7

How to use the property surplus?

Second property

Use your property surplus to buy a holiday home or invest in a second property.

New car

Need a new car? Use the surplus value of your property to finance a new vehicle.

Energy-efficient home

Invest the surplus in home renovations and improve your energy rating to save on bills.

Placeholder

What is property value surplus?

The property value surplus is the difference between the current market value of your property and the remaining amount of your mortgage, taking into account any payments made so far. It is often referred to as the “money locked in the walls” of your home.

Most homeowners currently have a property surplus due to the significant increase in prices in recent years. You likely purchased your home when prices were lower than they are now. However, even if you bought it relatively recently, there is a good chance that your property has increased in value.

This surplus becomes available when you sell your property or choose to liquidate it.

→ Check your surplus
→ Check your home value

This is what our 15.000+ clients say

4.7 out of 1575 reviews on Google

Thank you very much for your professional assistance and personalized service. The right people in the right positions.

Laura Schneider
A professional and personalized approach to each client. Reliable assistance at every stage of the real estate purchase process ?

Daniel Novak
I highly recommend them with a clear conscience! The staff was very responsive, everything was explained in great detail, and the ladies were absolutely lovely and always ready to help ?

Sofia Martinez

Why choose Domek

We speak your language

We offer personal support in 12+ languages.

Since 2005

Supporting internationals with home purchase and financing in the Netherlands and Belgium for many years.

Independent mortgage advisor

We compare multiple banks to secure the best deal for your situation.

We’re happy to help

Do you have any questions? Contact us via email or give us a call — our team is here for you every step of the way.

Send email info@domek.nl

Call us +31 88 1021 500

Yes, of course! The bank will transfer the requested amount directly to your account.

You can use the surplus for any purpose, such as buying a new car or investing in renovations to improve the energy efficiency of your home. The bank may ask about the purpose of the funds, but this will not affect the decision to grant the surplus.

In most cases, yes. It is important to consult with an advisor to find out which expenses qualify for deductions and how to optimize tax benefits.

Using the surplus involves costs, such as a valuation fee (which can be done online), mortgage advice, and, in some cases, notarial fees if the current mortgage entry is too low. However, there is no need to use your own funds.

If you choose a surplus of €50,000, the monthly payment will be €225 gross.

View all frequently asked questions

News & Insights

View all articles