Calculate your maximum mortgage
How much could I borrow? Calculate an indication of your maximum mortgage based on your income and financial commitments. Discuss your options in Sittard or online, including if you are looking for a home in Geleen.
Calculate your maximum NHG mortgage
This estimate uses a new 30-year annuity mortgage and the official 2026 lending standards.
Your maximum mortgage is not the same as your purchase budget. See the example of your own funds and purchase costs.
Calculate first without providing contact details. Download your calculation, receive it by email or ask RFD to contact you. We only count completed calculations, without your calculation inputs. Read the privacy information.
NHG · 10-year fixed rateRetrieving interest rate…
How do we determine the calculation rate?
We use the average of the three lowest rates from different lenders for an annuity mortgage with NHG and a 10-year fixed rate. For the calculation, we round this average down to two decimal places.
Retrieving the current interest rate…
Source: hypotheek-rentetarieven.nl, NHG, 10-year fixed. Backup source: rente.nl. The backup source is used only if the primary source is unusable and the correct NHG rates can be verified. For each lender, we check the NHG column for an annuity mortgage; product conditions and discounts may apply. The last successfully retrieved rate can be used while the source is refreshed. The retrieval date remains visible. A daily task retrieves rates at 09:00 Dutch time. A later retrieval may refresh the stored data. A retrieved rate is used for no more than 48 hours; source information older than seven days is not used. The average is a calculation assumption, not an interest rate offer.
Your mortgage estimate
This is an estimate, not a mortgage offer or acceptance. The lender assesses your income, commitments, property and NHG eligibility. You need separate funds for purchase costs and a financial buffer.
Save your calculation
Download your mortgage estimate as a PDF, including your inputs and the interest rate used. You do not need to provide contact details.
Discuss your options with RFD
Your first introductory meeting is free. Depending on your information, we can often discuss an initial indication of your options. You can book an appointment or request contact below.
Book a free introductory meeting →How do we calculate this estimate?
The official mortgage payment ratios determine how much of your combined qualifying income is available for mortgage payments. We use the income band at or below your qualifying income and the interest band containing the calculation rate. The monthly allowance is converted into a 30-year annuity; any applicable single-applicant and energy rating allowances are added. Loans and student loan payments reduce the monthly allowance. Spousal maintenance paid is deducted from your gross annual income.
For this NHG estimate without an energy improvement fund, the result is limited to the known property value and €470,000. Below Dutch state pension age, the non-AOW tables are used; for two applicants with different AOW statuses, the higher qualifying income determines the table. Within ten years of state pension age, an additional pension income assessment is required, which this tool does not perform.
Sources: official 2026 lending standards, AFM mortgage assessment and NHG terms and standards. The calculation rules will be blocked after 2026 until they have been updated.
From an estimate to your options
Ricardo Roso discusses your plans for your home, income and monthly payments. An introductory meeting can take place online, for example through Teams.
Book an appointment →085 - 400 76 46
contact@rosofd.nl
Telephone hours: Monday–Friday, 09:00–17:00. Appointments are also available outside these hours and on Saturdays.
Questions about your maximum mortgage
What is the difference between my maximum mortgage and my purchase budget?
Your income, financial commitments, interest rate and property value limit your mortgage. Your purchase budget also depends on your own funds and costs you must pay separately. Allow for purchase costs, furnishings and a financial buffer. Read the example of using your own funds for your first home.
Which student loan amount should I enter?
Use your normal DUO instalment for interest and repayment, rather than automatically using a temporarily reduced income-based payment or €0 during a repayment holiday. Your DUO statement and the terms of your application determine which payment must be assessed. RFD checks this personally; read the guide to a mortgage with a student loan.
Can I use income from a temporary contract or self-employment?
This tool does not assess your employment contract or self-employment records. Your sustainable income must first be established correctly. Read about a mortgage with a temporary contract or mortgage with self-employment income. Complex circumstances require a personal assessment.
Is the result a mortgage offer or approval to make an offer on a home?
No. This is an indication based on the information and assumptions shown on this page, not a mortgage offer or acceptance. The lender assesses your application. You can save the calculation as a PDF and bring it to a free introductory meeting. Discuss your options and suitable contractual conditions before making commitments.