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Mortgage based on your income in a foreign currency

How much can you borrow for a mortgage?

If you receive your income in a foreign currency (such as British pounds or US dollars) and you do want to buy a house in the Netherlands, you are often still eligible for an ABN AMRO mortgage. The features of the loan are different than with a mortgage based on your income in euros. Read about how your maximum mortgage is calculated if you receive your income fully or partly in a foreign currency and what the possibilities and risks are.

Calculating your mortgage

What is your maximum mortgage with an income in a foreign currency?

The maximum amount that you can borrow to buy a house is lower with an income in a foreign currency than with an income in euros. This is because your mortgage loan is provided in euros, while you receive your income in another currency. In this situation your mortgage carries what is called a “currency risk”. If the exchange rate changes, your income when converted into euros may decrease in value and this may affect your ability to make your monthly payments. 

To calculate your maximum mortgage, we base our calculations on 90% of your qualifying income after this has been converted to euros. If you want to calculate your mortgage online yourself, convert your income into euros and use 90% of the resulting amount.

More about currency risk

Need advice? Make an appointment

If you need help calculating your maximum mortgage based on income in a foreign currency, or would like to discuss your options for taking out a mortgage, you can make an appointment for a free, no-obligations orientation meeting.