Calculate your maximum mortgage
How much could you borrow for a home? Enter your income, property details and any loans to estimate your maximum mortgage. You can calculate and download a PDF without providing contact details.
Calculate your maximum mortgage
This estimate assumes a new 30-year annuity mortgage. Until 1 January 2027, you can see results using both the 2026 and 2027 lending standards; from then on, only 2027.
Your maximum mortgage is not the same as your purchase budget. See the example of your own funds and purchase costs.
Calculate first without providing contact details. Download your calculation, receive it by email or ask RFD to contact you. We only count completed calculations, without your calculation inputs. Read the privacy information.
NHG · 10-year fixed rateRetrieving interest rate…
How do we determine the calculation rate?
We use the average of the three lowest rates from different lenders for an annuity mortgage with NHG and a 10-year fixed rate. For the calculation, we round this average down to two decimal places.
Retrieving the current interest rate…
Source: hypotheek-rentetarieven.nl, NHG, 10-year fixed. Backup source: rente.nl. The backup source is used only if the primary source is unusable and the correct NHG rates can be verified. For each lender, we check the NHG column for an annuity mortgage; product conditions and discounts may apply. The last successfully retrieved rate can be used while the source is refreshed. The retrieval date remains visible. A daily task retrieves rates at 09:00 Dutch time. A later retrieval may refresh the stored data. A retrieved rate is used for no more than 48 hours; source information older than seven days is not used. The average is a calculation assumption, not an interest rate offer.
Your mortgage estimate
Your results for 2026 and 2027
2026
Estimated maximum mortgage
Gross monthly payment:
Above the NHG limit
2027
Estimated maximum mortgage
Gross monthly payment:
Above the NHG limit
The same inputs and calculation rate, using each year’s lending standards. The 2027 result is a preview for 1 January 2027 onwards. Your income is not automatically increased and the interest rate is not a forecast for 2027.
Above the NHG limit
This is an estimate, not a mortgage offer or acceptance. The lender assesses your income, commitments, property and NHG eligibility. You need separate funds for purchase costs and a financial buffer.
Save your calculation
Download your mortgage estimate as a PDF, including your inputs and the interest rate used. You do not need to provide contact details.
Discuss your options with RFD
Your first introductory meeting is free. Depending on your information, we can often discuss an initial indication of your options. You can book an appointment or request contact below.
Book a free introductory meeting →How do we calculate this estimate?
The official mortgage payment ratios determine how much of your combined qualifying income is available for mortgage payments. We use the income band at or below your qualifying income and the interest band containing the calculation rate. The monthly allowance is converted into a 30-year annuity; any applicable single-applicant and energy rating allowances are added. Loans and student loan payments reduce the monthly allowance. Spousal maintenance paid is deducted from your gross annual income.
A known property value limits the estimate. The standard NHG limit is €470,000 in 2026 and €500,000 in 2027, excluding extra borrowing for energy-saving measures. Above that limit, we show the calculated estimate with a warning; the NHG calculation rate remains an assumption. Before state pension age, we use the non-AOW tables; for two applicants with different AOW status, the higher qualifying income determines the table. Retirement within ten years requires an additional pension income assessment that this tool does not perform.
Sources: official 2026 lending standards, official 2027 lending standards, AFM mortgage assessment and NHG terms and standards. De normen voor 2027 gelden vanaf 1 januari 2027. Na 2027 is opnieuw een gecontroleerde normenupdate nodig.
From an estimate to your options
An adviser discusses your plans for your home, income and monthly payments. An introductory meeting can take place online, for example through Teams.
Book an appointment →085 - 400 76 46
contact@rosofd.nl
Telephone hours: Monday–Friday, 09:00–17:00. Appointments are also available outside these hours and on Saturdays.
Questions about your maximum mortgage
What is the difference between my maximum mortgage and my purchase budget?
Your income, financial commitments, interest rate and property value limit your mortgage. Your purchase budget also depends on your own funds and costs you must pay separately. Allow for purchase costs, furnishings and a financial buffer. Read the example of using your own funds for your first home.
Which student loan amount should I enter?
Use your normal DUO instalment for interest and repayment, rather than automatically using a temporarily reduced income-based payment or €0 during a repayment holiday. Your DUO statement and the terms of your application determine which payment must be assessed. RFD checks this personally; read the guide to a mortgage with a student loan.
Can I use income from a temporary contract or self-employment?
This tool does not assess your employment contract or self-employment records. Your sustainable income must first be established correctly. Read about a mortgage with a temporary contract or mortgage with self-employment income. Complex circumstances require a personal assessment.
Is the result a mortgage offer or approval to make an offer on a home?
No. This is an indication based on the information and assumptions shown on this page, not a mortgage offer or acceptance. The lender assesses your application. You can save the calculation as a PDF and bring it to a free introductory meeting. Discuss your options and suitable contractual conditions before making commitments.
What information do I need to calculate my mortgage?
Start with your gross annual income and, if applying together, your partner's income. Then enter the property details and any loans or other financial commitments. If the property value is unknown, that limit cannot yet be checked. RFD also assesses the evidence supporting your information when reviewing your personal options.
Can I calculate my maximum mortgage without leaving contact details?
Yes. You can calculate an estimate and download a PDF without entering your name, phone number or email address. After the calculation, you decide whether to receive the PDF by email, book an appointment or give RFD permission to contact you.