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In 2025 the energy label will have a major influence on the maximum amount you can borrow.
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The energy label now has a direct influence on your maximum mortgage amount. The higher the energy label (for example A or B), the more money you can borrow. The idea is that people with an energy-efficient home have lower energy costs. This gives them more financial resources to finance a more expensive house.
With a lower energy label you can borrow more for energy-saving measures.
Buying a house can be both exciting and overwhelming. With our full support, you’ll be well-prepared for your home buying journey. Happy house hunting!
Next to your base salary, holiday allowance, commissions, personal bonuses, the 13th-month pay, and secured salary rises can also be included. This breakdown of your gross income is essential for your mortgage calculation.
The interest rate is an important factor when calculating your mortgage. The amount you can lend with a 10 years fixed rate is different compared to the 20 years rate. We compare all lenders, banks and insurers to get you the best deal.
You are not allowed to lend more than 100% of the market value of the house. The market value (after renovation) is determined by an independent appraiser. Plans to make your house more sustainable? In that case, the maximum is 106%.
Every month you pay a fixed amount to the lender that consists of interest and repayment. The monthly gross costs are then the same.
Every month you pay a fixed amount in repayment plus interest to the lender. The monthly gross expenses decrease a bit every month.
You are entitled to a mortgage interest deduction for an owner-occupied home. The tax benefit makes the difference between gross and net.
Get one-on-one contact with one of our mortgage advisors. We are happy to help you!
Yes you can!
Some mortgage providers are willing to include this additional income in their calculations. Since your higher net income is temporary, it is often seen that the maximum mortgage only increases with a minimum amount. Nevertheless, that could be just enough to buy your dream house!
The mortgage providers that are willing to include this, all handle a different calculation method. It is therefore wise to get in contact with an adviser of A&H Finance to make sure you know what your options are.
Variable income can be included in your yearly income level to calculate your mortgage capacity.
Most mortgage providers in the Netherlands distinguish two variable income types: commission and bonus.
Commission is defined as personal and based on solely own performance (sales), whereas a bonus could be based on both personal as team or company performance.
Do you receive commission? In that case, we can include the average you received over the past 12 months. Is your variable income a bonus? In that situation, most banks take the average you received over the past consecutive 3 years. Nonetheless, we can always look into the options to include a bonus when it is paid during the last 12 months.
Both variable income components need to be stated on the employer’s statement.
As long as the future increase is within the upcoming six months and declared as unconditional by your employer, most banks are willing to include your higher salary.
There is no single answer to this question. It will depend on the conditions of the bank.
Overall, most mortgage providers will only provide a final mortgage offer as soon as the probation period is over.
Do you want to apply for a mortgage while you're still in your probation period? Some banks are willing to make an exception. It is advised to get in contact with an adviser of A&H Finance to discuss your situation and compare different providers to get the best solution for you!
An employer's statement is for most mortgage applications required to determine your current income and employment continuation. The intention of your employer to extend your contract will influence the maximum amount you can lend.
Generally, we can divide these two options:
There might be other solutions for the specific situation that applies to you. Get in contact with one of our advisors to discuss your options.
Unfortunately, this tool cannot be used when you would like to apply for a rental mortgage. It is advised to get in contact with one of our specialized rental mortgage advisers when you would like to buy or keep your house for rental purposes.
You can find extra information about rental mortgages on this page.
Yes you can! But there are some differences with applying for a mortgage paid in Euros.
The Mortgage Credit Directive has made a new set of rules to get a mortgage when your salary is paid in another currency. Fluctuations in the exchange rate of the currency you receive your salary in, is an example of the risks that you’ll have for your mortgage payments.
We will make sure that your mortgage instalment will fit according to your income and take the possible risk scenarios into account. Get in touch for more details.
While the convenience of online tools is undeniable, nothing beats the personal touch. Don’t let this incredible opportunity slip by – seize the chance to receive a precise estimate of your potential mortgage from our expert mortgage advisors. Contact us now to schedule a complimentary consultation or give us a ring at 020 – 4651951.
Anticipating the pleasure of connecting with you and turning your dream home into a reality.
The mortgage calculator Netherlands is a stepping stone for buying a house in the Netherlands.
As a homeowner in the Netherlands, you might be eligible for attractive tax deductions. But how can you make the most of them?
Our mortgage advisors help you with understanding.
Learn more about tax deduction through this article from the TaxSavers:
Tax and buying a house.
Next to this Mortgage calculator Netherlands we provide a quick guide of expected monthly expenses.
Have a look at the expected monthly mortgage costs and required income per mortgage amount.
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