Surplus value (overwaarde) explained
Overwaarde is the amount left over when the market value of your home is higher than the mortgage still outstanding on it.
English Nederlands
How surplus value arises
Property values can rise and you repay part of your mortgage each month. Together this creates equity in your home.
What you can do with it
- Use it as own money when buying your next home.
- Finance a renovation or make your home more energy efficient.
- Reduce your new mortgage and therefore your monthly costs.
Points of attention
The bijleenregeling (additional loan scheme) can affect interest deduction if you do not reinvest the surplus value in your new home. Whether that applies depends on your situation.
Good to know
Options differ per personal situation and per lender. Always have your situation assessed personally.
Last updated: 27 August 2026