Calculate your mortgage

Use our tool and instantly see what your mortgage could look like.

Want to move faster? Call us or schedule a free appointment

We are available by phone from 8:30 AM to 5:30 PM on business days.

Gross annual income
Your age
Gross annual income of your partner
Your partner's age
What is your goal?

Indicate what you need the mortgage for.

Have you already found a property?

If you already have a property in mind, we can make a more accurate calculation.

How far are you in the buying process?
What is the asking price of this property?
Energy label of the property
Do you already own a home?

If you already own a home, you can use the equity for your next purchase.

Expected selling price?
Remaining mortgage debt?
Current property details

Want to renovate or refinance? Please enter the details of your current property.

What is the market value of the property?
What is the current mortgage amount?
Energy label of the property
Do you have monthly financial obligations?

This includes things like a private lease car, (student) loans, or credits. Only fill in what applies to you.

How much do you pay monthly for your loan repayments, including interest?
How much do you pay monthly for your student loan repayments, including interest?
How much do you pay monthly for your Private Lease?

How we calculate your mortgage

Your gross annual income forms the basis for determining your maximum mortgage. The higher your income, the more you can borrow. Not only your salary is considered, but also other income such as holiday pay, a thirteenth month, and any self-employment income. If you have a partner, your combined income is included in the calculation, which can increase your borrowing capacity.

The energy label of the home plays a role in determining your maximum mortgage. For homes with a favorable energy label (A or B), you can borrow an additional €10,000. For labels C or D, this extra amount is €5,000. This is because energy-efficient homes have lower energy costs, giving you more financial room for mortgage payments.

Energy LabelExtra Mortgage Amount
A++++ with guarantee€50,000
A++++€40,000
A+++€30,000
A+ or A++€20,000
A or B€10,000
C or D€5,000
E, F or G€0

The mortgage interest rate affects your monthly payments and therefore your maximum mortgage. A lower rate means lower monthly costs, which may allow you to borrow more. The rate is influenced by factors such as the fixed-rate period, the type of mortgage, and current market conditions. Taking out a mortgage with the National Mortgage Guarantee (NHG) can also result in a lower rate, as it provides more security for the lender.

Existing loans and other financial obligations impact your maximum mortgage. This includes personal loans, revolving credit, credit card debts, and private lease contracts. These obligations are registered with the Credit Registration Bureau (BKR) and reduce the amount you can borrow, as they lower your available income for mortgage payments.

A student loan affects the amount of mortgage you can get. From 2024, lenders use a new method to calculate this impact. Instead of looking at the original loan amount, they now use the actual monthly repayment you make to DUO. This amount is then "grossed up" with a factor that depends on the mortgage interest rate you will pay.

How can we help you?

Whether you are looking to buy your first home, want to know how much you can borrow, or just want to talk things over with an expert, we are here for you. Our experienced mortgage advisors will guide you every step of the way, from orientation to closing.

I want to buy a home
Calculate my mortgage
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mortgage experts

We are available by phone from 8:30 AM to 5:30 PM on business days.

What clients say

XU
Xu
So Glad I Found Stephanie!

I'm incredibly grateful for Stephanie's support throughout my mortgage process. She was not only highly professional but also consistently responsive, always getting back to me quickly. I initially consulted a few other agents, but Stephanie was the first to explain everything clearly and thoroughly — which made a huge difference. Thanks to her, the entire process went smoothly. I would absolutely recommend her to anyone looking for a reliable mortgage advisor.

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LE
Leonardo
Excellent! Strongly recommend!

Both Charissa and Ramon, who assisted me during the process, were very knowledgeable and supportive. They were very engaged on making sure the process would go as smoothly as possible, answering all my questions and connecting to the other parties involved when needed to expedite things. I strongly recommend working with Easy Mortgage based on my experience with them!

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AI
Anja
Highly recommend Warner as an advisor!

Warner was super helpful, supportive and knowledgeable about the mortgage process. I'm an expat here and mortgages always seemed daunting - but Warner made sure that I feel supported and guided in every moment. The process was very smooth, fast and he made sure to challenge my opinions where he felt I could make better choices for my financial future. Thank you very much for being there for me in this very monumental moment in my life!

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SA
Safa
We had a fantastic experience

Erwin and Daan were incredibly helpful, and we couldn't have asked for better support. Erwin was always willing to provide extra explanations about what we needed to do and why, covering all the relevant scenarios, which really built our trust in them. We genuinely couldn't have asked for more. On top of that, we received great assistance with insurance matters, and if we ever need any additional support, we know we can always reach out to our insurance contact of easymortgage.

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