Affordability
How much house can I afford?
Estimate your maximum mortgage and house price based on Dutch lending norms. Both incomes count 100% since 2024.
Your estimate
Maximum mortgage
€ 288.009
Maximum house price
€ 288.009
100% LTV — no down payment required
Gross monthly payment
€ 1.375
30-year annuity at 4%
Net monthly payment
€ 1.020
After tax deduction (−€ 355/mo, year 1)
Eligibility
- ✓NHG (limit € 470.000) — saves ~0.5% on rate, premium € 1.152
- ✓Startersvrijstelling (under 35, max € 555.000) — 0% transfer tax
Required savings (kosten koper)
You can borrow 100% of the house price, but transaction costs must be paid in cash.
Now compare rent vs buy
See how your maximum house price compares to your current rent — including tax deduction, VvE, maintenance, and a 10-year wealth projection.
Open calculator with € 288.009 →How this works
- Maximum mortgage = gross income × financing load % ÷ annuity factor
- Financing load % follows simplified 2026 Nibud norms (income- and rate-dependent)
- Both incomes count 100% for couples (since 2024)
- Existing debts reduce capacity at ~€240 per €1/month of obligation
- NHG limit: € 470.000 (€ 498.200 with energy measures)
- Startersvrijstelling: 0% transfer tax for first-time buyers under 35 below € 555.000
This is an estimate based on simplified lending norms. Actual borrowing capacity depends on your employer's statement, existing obligations, and the lender's assessment. Always consult a licensed mortgage adviser (hypotheekadviseur) for a binding calculation.
How much can you borrow in the Netherlands?
Your maximum mortgage is determined by two rules: your income (toetsinkomen) and the value of the property (loan-to-value). Lenders apply annual Nibud financing load norms to calculate how much of your gross income can go towards mortgage repayments. Since 2024, both incomes in a couple count at 100%. The LTV limit in the Netherlands is 100% of the market value — no mandatory down payment, but kosten koper (transaction costs) must be paid from savings.
Existing debt obligations reduce your maximum mortgage: each €1 of monthly debt counts as roughly €240 less capacity. NHG (Nationale Hypotheek Garantie) is available for homes up to € 470.000, offering a 0.3–0.6% rate discount. First-time buyers under 35 purchasing below € 555.000 pay 0% transfer tax under the startersvrijstelling.
Learn more
How Much Savings Do You Need to Buy a House?
Kosten koper, NHG, transfer tax exemptions — the full breakdown.
Kosten Koper Explained
Every fee itemised with real euro amounts.
Rent vs Buy: What's the Smart Choice?
When buying makes sense and when renting wins.
When Is Renting Cheaper Than Buying?
Break-even analysis and city-level comparisons.