Calculate your maximum mortgage
Four steps, no email address needed. You enter your income, your partner's if you buy together, and your age and fixed costs. The calculator uses the Nibud 2026 standards from the Dutch Mortgage Credit Regulation.
This calculator shows roughly how much you can borrow for a home in the Netherlands, with and without NHG. A lender looks at more than these figures when you actually apply, so the result is an indication and not a commitment.
Want to know how the calculation works first? Read How much can I borrow for a mortgage in 2026?
Je gegevens
Frequently asked questions
Everything about the calculation
How is my maximum mortgage calculated?
The calculator looks up the 2026 financing cost percentage for your gross annual income in the Mortgage Credit Regulation. That is the share of your income that may go to interest and repayment. It then works back to a mortgage repaid as an annuity over 30 years, at an indicative 10-year fixed rate. If you choose a fixed-rate period shorter than 10 years, the lender tests your application at a rate of at least 5%.
What effect does a student loan have on my mortgage?
A DUO student loan lowers your maximum mortgage. The calculator simplifies this to 0.75% of the original loan amount per month. Under the 2026 Mortgage Credit Regulation, what counts is the amount you actually pay DUO each month. If your mortgage interest is tax deductible, that amount is first raised by a factor between 1.05 and 1.40, depending on the test rate.
Can I get a mortgage as a self-employed professional?
You can apply for a mortgage as a self-employed professional too. Lenders usually look at your average profit over the last three years, and the calculator works the same way. Which lender suits your business is something we discuss in the first meeting.
What is NHG and am I eligible?
National Mortgage Guarantee (NHG) provides a safety net in case of income loss, and lenders usually charge a lower interest rate with NHG. In 2026, NHG applies to properties up to €470,000. The calculator indicates whether NHG applies to you.
Does my partner's income count?
Yes. In step 2 you enter your partner's income, and the calculator counts it in full. With two applicants a lender uses your combined test income, so the real outcome may differ slightly from what you see here.
A calculation is just the beginning
The result gives a good indication. For the best rate and terms for your situation, our advisors can take it further.
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