Maximum mortgage (maximale hypotheek) in the Netherlands
Your maximum mortgage (maximale hypotheek) is set by two limits: what fits your income and what fits the value of the property.
English Nederlands
Factors that count
- Gross annual income, and a second income if applicable.
- Existing loans, study debt or alimony.
- Type and duration of your employment contract.
- Property value and energy performance.
- Own funds you bring in.
Maximum versus comfortable
The maximum amount is not always the sensible amount. Personal advice also looks at your plans, buffer and desired monthly payment.
Options differ per personal situation and per lender. Always have your situation assessed personally.
Last updated: 27 August 2026