Calculating your maximum mortgage

Calculate your mortgage and monthly payment for 2019

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Mortgage calculation

Are you planning to buy a house in the Netherlands and do you want to calculate your maximum mortgage? Or do you just want to find out how much you can borrow in 2019 to buy a house? Enter your details and get instant information on your maximum mortgage or monthly payment, even if you don't have a permanent employment contract yet or are self-employed. If you already know what house you want to buy, enter the market value of the house, so that it can be included in the calculation. You can also calculate your maximum mortgage with the National Mortgage Guarantee (NHG).

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How is your maximum mortgage calculated?

In calculating your maximum mortgage, we take the following into account:

  • your income, combined with that of your partner if applicable, also referred to as the qualifying income
  • the mortgage interest you pay or the established notional interest rate
  • other financial commitments, such as loans or partner maintenance
  • the part of your income you can spend on your mortgage.

Mortgage calculation

Income used for mortgage calculation

  • Gross salary
  • Holiday allowance
  • Thirteenth month
  • Commission
  • Overtime
  • Allowance for irregular hours
  • End-of-year bonus
  • Flexible income
  • Income from self-employment
  • Partner maintenance
  • Benefits
  • Supplementary allowance for military personnel (VEB allowance).

Maximum mortgage and monthly payment calculation done. What’s next?

  • Once you've calculated your maximum mortgage, you will get a personal mortgage calculation in PDF format, which you can print or save for future reference. This calculation will give you an idea of how much mortgage you can get and how much you would pay for your mortgage on a monthly basis.
  • After receiving the calculation result, you can also immediately make an appointment for a no-obligations orientation meeting for a mortgage. An adviser will then work out exactly what buying a new house would really cost and how much you can borrow responsibly.
  • Want to start your mortgage application process online now? Find out how to do it yourself.

How much can I borrow on a mortgage?

How much can I borrow on a mortgage?

Your income determines how much you can borrow on a mortgage. We will look at whether you are an employee, self-employed or a pensioner. A mortgage is all about customisation, so the way you earn your income affects how much you can borrow.

Maximum mortgage and the value of the property

The value of the property that you are looking to buy also determines how much you can borrow on a mortgage. This is because your property will be the collateral for your mortgage. In 2019, you are allowed to borrow up to 100% of your property’s value.

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How much can I borrow?

When buying a house, the first thing you’ll want to know is: ‘How much can I borrow?’ Consequently, the first step is always to calculate your mortgage. After all, only when you know how much you can borrow on a mortgage will you be able to start looking for a property you can afford. Once you’ve calculated your maximum mortgage, find out what’s involved in buying a house and make an appointment with an intermediary or an ABN AMRO mortgage adviser to get mortgage advice.

Mortgage calculation if you have student debt

If you have student debt and are planning to buy a house, the amount you can borrow on a mortgage will be lower, because you have to be able to continue your monthly student debt payments as well. Keep reading to find out how this affects you.

Mortgage calculation for the self-employed

Regardless of your line of business, you can apply for a mortgage with us after only 1 year of self-employment. You will also be eligible for the Dutch National Mortgage Guarantee (NHG). Calculate your maximum mortgage now based on your annual figures. It’s easy.

Do I qualify for the Dutch National Mortgage Guarantee?

If you are buying a property costing no more than €290,000 in 2019, you can take out a mortgage backed by the Dutch National Mortgage Guarantee (NHG). If you are planning on investing in energy-efficient facilities for your home, the maximum permitted financing cost is €307,400.

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Need mortgage advice?

If you would you like to go over your options for a new mortgage or changes to your existing mortgage, please make an appointment with one of our advisers at an ABN AMRO branch. Or make an appointment for mortgage advice through Video Banking, whenever suits you best. Our advisers are available for an appointment from 9am to 9pm Monday to Friday, as well as from 9am to 5pm on Saturdays and from 10am to 4pm on Sundays.

Mortgage advice through an intermediary

An intermediary is an independent adviser who works with various mortgage lenders. He or she will sit down with you to compare the products the various lenders have to offer.

Why choose a mortgage with ABN AMRO?

  • Face-to-face contact without the travel
  • Schedule your mortgage appointment yourself
  • Do-it-yourself mortgage changes

Frequently Asked Questions about mortgages

I want to buy a house, what should I be mindful of?

Buying a house is a major step. We would be happy to help you throughout the buying process. Check our step-by-step guide to buying a house.

What does mortgage advice cost?

The fee charged for mortgage advice depends on the kind of advice you choose. You can opt to take out a mortgage based on personal advice, specific advice or without receiving any advice. So check the various kinds of advice to see how much advice will cost you.

I want to remortgage, how does that work?

You can change your current ABN AMRO mortgage, or if you have a mortgage with a different lender, you can switch your mortgage to ABN AMRO. Remortgaging is subject to charges.

Can I increase my current mortgage?

If there is surplus value in your current home, you can increase your mortgage. Provided you have sufficient income

Frequently Asked Questions about mortgages

Buying a house is a major step. We would be happy to help you throughout the buying process. Check our step-by-step guide to buying a house.

The fee charged for mortgage advice depends on the kind of advice you choose. You can opt to take out a mortgage based on personal advice, specific advice or without receiving any advice. So check the various kinds of advice to see how much advice will cost you.

You can change your current ABN AMRO mortgage, or if you have a mortgage with a different lender, you can switch your mortgage to ABN AMRO. Remortgaging is subject to charges.

If there is surplus value in your current home, you can increase your mortgage. Provided you have sufficient income

Reasons for taking out a mortgage from ABN AMRO

Schedule your appointment

Schedule your appointment online: same-day service, if available.

Video conferencing with an adviser

Where and whenever you like. Use your computer, smartphone or laptop.

Making changes to your mortgage yourself

Your options range from changing your interest rate to making additional repayments. Just use the ABN AMRO online self-service.