Estimate your maximum Dutch mortgage with 2026 Nibud borrowing standards: partner income, energy label bonus, DUO debt, NHG discount and the 30% ruling.
Disclaimer: Interest rates displayed are indicative benchmark averages gathered from market feeds and do not constitute a formal loan offer. Actual rates depend on your personal financial assessment, property valuation, risk tier, and final underwriting by the mortgage lender.
2026 rules · NHG € 470.000 (€ 498.200 with energy measures) · starter exemption up to € 555.000
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Using 2026 baseline market averages
Maximum estimated mortgage
€ 418.081
Based on € 75.000 combined gross income · 29.1% financieringslast · 3.45% effective rate over 30 years
Net monthly payment
€ 1.418
€ 1.866 gross − € 447 hypotheekrenteaftrek
NHG status
Qualifies for 2026 NHG Rate Discount
2026 NHG limit € 470.000 · € 498.200 with energy measures · ~0.4% rate discount applied
Do you have a specific property in mind? Add the asking price to check eligibility and estimate your kosten koper.
Monthly repayment shown for a € 418.081 annuity mortgage over 30 years. Click a lender to apply its rate to the calculator.
| Lender | Rate | Monthly repayment | Tag |
|---|---|---|---|
| Florius | 3.49% | € 1.875 | Lowest rate |
| Triodos Bank | 3.51% | € 1.880 | |
| Lloyds Bank | 3.53% | € 1.884 | |
| Obvion Hypotheken | 3.56% | € 1.891 | |
| ABN AMRO | 3.58% | € 1.896 | Big 3 bank |
| Rabobank | 3.62% | € 1.905 | Big 3 bank |
| ING Bank | 3.65% | € 1.913 | Big 3 bank |
| ASN Bank | 3.68% | € 1.920 | |
| Aegon / a.s.r. | 3.71% | € 1.927 | |
| Nationale-Nederlanden (NN) | 3.74% | € 1.934 |
Estimates are based on 2026 Nibud borrowing standards. Final mortgage approvals depend on official bank underwriting (e.g. ING, ABN AMRO, Rabobank).
Nibud sets, per income bracket and interest rate, the maximum share of your gross income that may go to mortgage costs. That monthly amount is converted into a loan using a 30-year annuity, so a higher rate lowers the principal you can borrow even when your income is unchanged.
Energy-efficient homes get extra borrowing room on top of the income-based amount: +€10,000 for A/B, +€20,000 for A+/A++, and up to +€50,000 for a very-well-insulated A++++ home. Labels C and below receive no bonus.
Your DUO monthly payment reduces capacity, but at a lighter weighting than consumer credit. Personal loans, revolving credit, and lease cars weigh heaviest — each €100/month of consumer credit can cost roughly €20,000 of mortgage capacity.
The 2026 NHG limit is €470,000 (or €498,200 when financing energy-saving measures); for 2027 the estimated limits are €490,000 and €520,000. Qualifying for NHG unlocks lower interest rates (typically 0.3% to 0.5% discount) for a one-off 0.4% tax-deductible provision fee. Variable rates and fixed terms under 10 years are tested against the Dutch AFM/Nibud stress rate (5.00%) for borrowing capacity. With the 30% ruling, lenders use your full gross salary for capacity, but your lower taxable income makes the mortgage interest deduction worth less.