Maximum mortgage factors
Understand how Dutch annual salary, variable income, DUO and other loans, erfpacht, VvE costs, interest, energy label, and property value affect a 2026 mortgage estimate.
Read guideReviewed for 2026
Make sense of the mortgage number—and the buying process around it.
Plain-English explanations based on official Dutch sources, with anonymised cost and timing examples from a real Amsterdam apartment purchase record.
Private by designNo name, address, employer, salary, lender, adviser, purchase price, or mortgage amount from the source journey is published.
Plain-English buying guides
Understand the number before relying on it
NHG explained
A plain-English guide to Nationale Hypotheek Garantie (NHG), including the €470,000 limit, €498,200 energy-measures limit, 0.4% fee, protection, and eligibility in 2026.
Read guideBuying costs
Plan Dutch home-buying costs in 2026: transfer tax, starter exemption, notary and Kadaster, valuation, mortgage advice, NHG, bank guarantee, VvE, and tax deductibility.
Read guidePurchase timeline
See the Dutch home-buying timeline from accepted offer and signed agreement through cooling-off, valuation, mortgage, bank guarantee, notary, final inspection, transfer, and NHG confirmation.
Read guidePut the rules into context
Estimate your own 2026 mortgage and buying budget.
Inputs and results are not stored. The result is a planning estimate, not mortgage advice, a lender offer, or approval.