How much can you borrow?
Estimate your maximum mortgage and gross monthly payments for 2026. Enter your own details.
Calculate maximum mortgage
Inputs
Leave at 0 if there is no second applicant.
You can use either a dot or a comma in the interest rate.
Use the monthly instalment for interest and repayment from a recent DUO statement.
This result is indicative. Lenders apply additional rules and case-by-case assessment.
Maximum mortgage (final result)
€ 0
Maximum monthly payment allowed (gross)
Includes single-person and energy-label uplifts where applicable.
€ 0
Monthly payment at maximum mortgage (annuity)
€ 0
Interest + principal based on the final result, the rate and the term.
View calculation details
| Assessment income used | € 0 |
| Rate used for assessment | 0,0% |
| Student-loan grossing factor | 1,00 |
| Financing cost percentage | 0,0% |
| Financing cost percentage applied to | € 0 |
| Standard annual housing budget (gross) | € 0 |
| Student loan counted per year | € 0 |
| Other commitments per year | € 0 |
| Available for mortgage per year | € 0 |
| Max mortgage based on income (LTI) | € 0 |
| Adjustments (single + energy label) | € 0 |
| Max mortgage after adjustments | € 0 |
| Max mortgage based on property value (LTV) | — |
| Final result (lower of LTI/adjustments and LTV) | € 0 |
Amortisation schedule (annuity)
Payments are calculated based on the final result, the rate and the term.
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| Month | Interest | Principal | Balance |
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Good to know
This estimate is for first-time buyers in employment with no mortgage history. It assumes an annuity mortgage with full box 1 interest deductibility. It is not suitable for business owners.
The pre-filled rate is an example. The result is indicative and does not create any entitlement. Affordable borrowing also depends on your expenses and future plans.
Discuss your estimate with Niels