Estimate Dutch mortgage eligibility with 2026 Nibud borrowing standards, partner income, energy label, DUO debt, NHG eligibility and the 30% ruling.
Disclaimer: Interest rates displayed are static indicative planning assumptions, not live market rates or 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
Use indicative baseline rates
Using static 2026 indicative baseline rates
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
Within 2026 Standard NHG Limit
2026 NHG limit € 470.000 · € 498.200 with energy measures · a lower lender rate may be available; the exact discount varies
Want the payment on a specific loan instead of the maximum you may qualify for? Estimate it in the mortgage payment calculator.
Do you have a specific property in mind? Add the asking price to check eligibility and estimate your kosten koper.
Rates checked September 2026. Actual mortgage offers vary by lender, borrower profile, property, loan-to-value and other circumstances. 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); the 2027 estimates of €490,000 and €520,000 are provisional and not yet officially confirmed. NHG can qualify you for a lower mortgage rate with some lenders. The exact rate and discount depend on the lender and mortgage, and a one-off 0.4% provision fee applies. Variable rates and fixed terms under 10 years are tested against the Dutch AFM/Nibud stress rate (5.00%) for borrowing capacity. Many lenders assess borrowing capacity using contractual gross income, but treatment of the 30% ruling can vary by lender. A lower taxable income also makes the mortgage interest deduction worth less.
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Official primary sources
Calculator tax, benefit and pension parameters are based on relevant official publications. Market rates and personal entitlements can differ. Calculations are indicative estimates, not official assessments or financial or tax advice.
Tax rules, rates and regulations can change. If you spot an inaccurate figure, calculation, assumption or missing option — or have a suggestion for additional options or calculator features — please let us know.