How much can I borrow?
Your maximum Dutch mortgage for 2026, on the official Nibud lending standards.
Maximum mortgage
€ 253.691
about 4.2× gross income · test rate 4.0%
Combined income€ 60.000
Housing-cost ratio (DSTI)22,6%
Max monthly housing cost€ 1.130
Borrowing capacity€ 236.691
Uplift+€ 17.000
Maximum mortgage€ 253.691
In the Netherlands you can finance up to 100% of the home's value, so this is roughly your maximum purchase price. Buying costs (~4–6%) come on top, from your own savings.
Should you buy at this price? Maximum mortgage by income
Frequently asked
How much mortgage can I get?
On an income of € 60.000 at a 4.0% rate, you can borrow about € 253.691 in 2026 — roughly 4.2× your gross annual income.
How is the maximum mortgage calculated?
Using the Nibud lending standards: a percentage of your test income may go to gross housing costs, converted to a loan via the 30-year annuity factor, plus a €17,000 uplift and any bonus for a green energy label.
Does a second income count?
Yes — the second income is added in full to the first for the calculation.
What does the fixed-rate period do?
For a fixed-rate period under 10 years a minimum test rate of 5% applies, which lowers your maximum. From 10 years fixed, your actual rate is used.
Based on the Nibud / AFM 2026 lending standards for working-age (non-AOW) households. Individual factors — student loans, alimony, other credit, being a single-person household — can lower the maximum and are handled in personal mortgage advice. Educational, not a binding offer.