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Maximum mortgage calculate

How much can you borrow for a home? Your maximum mortgage is determined by the Nibud standards, your income, the energy label, and any outstanding debts. Calculate it with a recognized provider.

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How is your maximum mortgage determined?

It is not the bank, but Nibud that determines the framework. The mortgage standards are re-established every year.

Your maximum mortgage depends on your gross annual income and the housing quota — It percentage van uw inkomen dat u volgens de normen aan woonlasten mag besteden. Die percentages worden jaarlijks door It Nibud berekend en gelden voor alle geldverstrekkers.

For 2026, the housing affordability ratios have been adjusted on one point: they are rounded to 0.1% instead of 0.5%. As a result, small changes in income or interest rates no longer lead to large jumps in what you can borrow.

In addition to your income, the following also count: the home's energy label, your student debt, outstanding loans, the fixed-interest period, and whether you are buying alone or together.

Calculate maximum mortgage

More about calculate maximum mortgage

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Calculate your indication
Enter your income, debts, and housing preferences into the provider's calculation tool. You will receive an indication immediately.
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Interest rates and conditions vary by lender. Compare them before you choose.
Application via the provider
The application, assessment, and advice are handled entirely by the provider. Finass does not intervene in this process.

What is included in the calculation?

The most important factors at a glance.

Gross annual income

Your income is the biggest factor. If you buy together, both incomes are taken into account. For entrepreneurs, the three-year average is usually used.

Energy label

Hoe zuiniger de woning, hoe meer u extra mag To borrow — de gedachte is dat u lagere energiekosten heeft. Slecht geïsoleerde woningen leveren geen extra ruimte op.

Student debt and loans

Student debt, a revolving credit facility, a private lease, or alimony reduces your maximum mortgage.

Fixed-rate period

If you fix the interest rate for less than 10 years, the lender uses a stress test interest rate of at least 5%. For 10 years or longer, the actual interest rate applies.

Alone or together

Single people with an income of approximately €28,000 or more receive additional borrowing capacity to better compete with dual-income households.

Value of the home

You may borrow a maximum of the property's value (LTV 100%). More is possible for sustainability improvements.

What do you pay attention to during the calculation?

Een online berekening geeft een indication — geen toezegging.

✓A calculation tool gives a indicationThe lender conducts the final assessment based on your complete situation.
✓Also calculate the costs payable by the buyer along: you usually pay for this out of your own funds.
✓Take your into account type of employmentA permanent contract counts differently than a temporary contract or entrepreneurial income.
✓Een hogere Maximum mortgage is niet automatisch een verstandige hypotheek — kijk ook naar wat u maandelijks comfortabel kunt dragen.
✓Of NHG you often receive an interest rate discount and a safety net for unforeseen circumstances.

What affects your borrowing capacity in 2026?

Some current points of attention.

✓The NHG limit stands at €470,000 in 2026; with energy-saving measures at €498,200. (check)
✓Single people with an income of €28,000 or more receive approximately €17,000 extra borrowing capacity. (check)
✓It maximum rate for mortgage interest deduction amounts to 36.97% in 2026. (check)
✓The loan-to-value is 100% of the home value; up to 106% can be borrowed for sustainability improvements. (check)
✓Een goed Energy label kan de leenruimte flink verhogen — het exacte bedrag verschilt per label.

Frequently asked questions about calculating the maximum mortgage

How much mortgage can I get with my income?
That depends on your gross annual income, the housing affordability ratio from the Nibud standards, the interest rate, and the fixed-rate period. Student debt, outstanding loans, and the home's energy label also play a role. A calculation tool provides a quick indication; the lender performs the final assessment.
Does the bank decide how much I can borrow?
No. The frameworks are established annually by Nibud and apply to all lenders. Within those frameworks, however, a provider may apply its own acceptance conditions.
Can I borrow more for an energy-efficient home?
Yes. For homes with a favorable energy label, additional borrowing capacity applies because energy costs are lower. Additional financing is also available for implementing energy-saving measures.
How does student debt affect my maximum mortgage?
Student debt reduces your borrowing capacity. The lender calculates a hypothetical monthly payment based on your outstanding debt and the system (old or new) under which you fall.
What is the stress test interest rate?
If you fix the interest rate for less than ten years, the lender uses a stress test interest rate of at least 5% instead of the actual interest rate. This serves as a safety margin in case interest rates rise. For fixed rates of ten years or longer, the actual interest rate is used.
Do I get extra borrowing capacity as a single person?
Single people with an income above a certain limit receive additional borrowing capacity to better compete with dual-income households. The exact amount is determined annually.
Does my partner's income count in full?
When buying together, both incomes are included in the calculation. The weight given to the second income is determined by the Nibud methodology.
Is the result of a calculation tool binding?
No. It is an indication. The lender assesses your complete situation, including employment, obligations, and the property itself.
Calculate maximum mortgage

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What our customers say about calculate maximum mortgage

Customers rate Finass Verzekert on average with a 9.5 and the claims handling with a 9.8.

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“In één overzicht zag ik welke geldverstrekkers bij mijn situatie pasten. Prettig dat het To compare zelf niets kost.”

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“Overzichtelijk opgezet en zonder verkoopverhaal. The uitleg over rentevaste periodes was helder.”

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More about mortgages

View the other sections within mortgage.

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With an interest-only mortgage, you only pay interest.

Associated insurances

Financing and insurance go hand in hand. Finass Verzekert is your independent advisor for the insurance policies associated with them.

Opstalverzekering →

Mandatory with virtually every mortgage: coverage for the building.

Woonhuisverzekering →

Damage to your home caused by fire, storm, or water.

Inboedelverzekering →

Your belongings insured against fire, theft, and water damage.

Calculate your maximum mortgage

Bij onze partner berekent u binnen enkele minuten wat u volgens de actuele normen kunt lenen — op basis van uw inkomen, schulden en het Energy label van de woning.