Mortgage Calculator

It takes into account age, family situation, income, energy label, interest rate(s), mortgage term and outstanding loans. It is only an initial indication; your actual eligibility may be higher with advisor support.

Advisors account for additional details, like your specific income situation or income components. Also they can set up the mortgage in a specific way to maximise the mortgage amount.

In case your employer offers staff a choice between a mobility allowance or a lease car then it is difficult to include this in the calculation as most mortgage lenders will not allow it. There are some mortgage lenders that do offer some possibilities for (part of) the mobility allowance to be included. In case you do not have a 30% ruling our advisors can also check alternative income calculation tools that do include mobility allowances.

No, for self-employed individuals or entrepreneurs the mortgage lender will generally look at the average income over the last three years. This often require extra documentation (e.g., tax returns and business figures) to be reviewed.

The calculator is a helpful starting point, but for precise guidance, especially as an expat, consulting a mortgage advisor is strongly recommended.

Different banks have different policies on whether or not your bonus may be included. First of all it matters whether it is solely based on personal performance or whether an element of company performance is included in the bonus. Also, it is important you have received the bonus already in the past 12 months and some times banks will look further back over the last 3 years. Our mortgage advisors also can calculate your income with alternative tools specifically designed for including your bonus and this method sometimes will allow you to borrow more.

Since a few years you can borrow up to 100% of the market value (the value according to the valuation report). If however you bought a property for an amount less than the market value in theory you could borrow slightly more. Do realize you will not be entitled to a tax rebate on this extra part as it is not going towards the purchase amount but towards your purchase costs or taxes. Also, if you plan to invest into energy saving measures banks will allow you to finance this up to a maximum of 106% of the market value. They allows this because in turn it will lower your energy expenses.