Maximum mortgage on € 70.000
On a € 70.000 gross annual income you can borrow about € 305.358 in 2026 — roughly 4.4× your income — at a 4.0% rate, on the official Nibud lending standards.
Max mortgage
€ 305.358
× income
4.4×
At rate
4.0%
At different interest rates
| Mortgage rate | Max mortgage |
|---|---|
| 3.0% | € 317.242 |
| 3.5% | € 311.885 |
| 4.0% | € 305.358 |
| 4.5% | € 299.062 |
| 5.0% | € 291.921 |
Assumes a single income, rate fixed 10+ years, energy label E–G, and the €17,000 uplift. Change any of these in the calculator.
Frequently asked
How much mortgage on a €70k income?
On a € 70.000 gross annual income at 4.0% you can borrow about € 305.358 — roughly 4.4× your income. In the Netherlands you finance up to 100% of the value, so that's also your maximum purchase price.
What else do I need in savings?
The buying costs (~4–6% of the price: transfer tax, notary, valuation, advice) come from your own savings, as they can't be added to the mortgage.
Other incomes
Based on the Nibud / AFM 2026 lending standards for working-age households. Student loans, alimony, other credit and single-person status can lower the maximum. Educational, not a binding offer.