Calculate your maximum mortgage | Libero Financieel
How much can you borrow in the Netherlands? Use the calculator on this page to get a quick indication of your maximum mortgage and estimated monthly payments — a solid first step before making any decisions.
The result is based on your income and current Dutch lending standards (leennormen). Your personal situation, future plans, and the specific conditions of lenders may affect the final mortgage amount. Want to know exactly what you can borrow? A personal advice session is the next step.
What goes into your mortgage calculation?
An online tool gives you a quick indication. During a personal advice session, we go much further and look at your complete picture:
- Income and employment: salary, variable income, self-employed earnings or a permanent contract — each has its own rules.
- Age and future plans: children, reducing hours, or retirement plans affect your mortgage more than you might expect.
- Debts and financial obligations: a student loan (studieschuld), overdraft, or existing credit reduces your borrowing capacity.
- Current mortgage interest rate and term: which fixed-rate period suits your situation best?
- Property value: the appraisal value partly determines how much you can finance.
Based on all of this, you get a clear picture of your maximum mortgage, your monthly payments, and your financial breathing room.
From calculation to certainty
An indication is a good starting point. But a mortgage is a decision for decades. During an advice session at Libero Financieel, you will know exactly where you stand:
- You know precisely what you can borrow — no surprises later on.
- You receive advice tailored to your life, not a standard calculation.
- We discuss whether you qualify for our bid insurance (biedverzekering), so you can make an offer with confidence.
- You make better decisions for now and for the long term.
The consultation is free and without obligation. We take the time to explain everything clearly and give you immediate answers.
Frequently asked questions about mortgage calculations
How accurate is the online mortgage calculator?
The tool provides a solid first indication based on your income and current Dutch lending standards. The actual mortgage may differ depending on your personal situation, specific lender conditions, or future plans. For a definitive calculation, a personal advice session is the next step.
What do I need for a maximum mortgage calculation?
For the online tool, you need your gross annual income — and that of your partner if applicable. For a full advice session, we also look at your type of employment, any debts, your age, and the value of the property you have in mind.
Can I also calculate my monthly mortgage payments?
Yes. In addition to your maximum mortgage, the tool also gives an indication of your monthly payments. Keep in mind that actual payments depend on the fixed-rate period and the type of mortgage you choose. During an advice session, we calculate this precisely for your situation.
Is mortgage advice at Libero Financieel expensive?
We work with a fixed advisory fee. For first-time buyers (starters), this starts at € 2,495. This covers everything: advice, application, and guidance all the way to the handover of the keys. See our full rate overview for a clear breakdown.
What is the difference between maximum mortgage and a responsible mortgage?
Your maximum mortgage is the highest amount lenders are willing to offer based on your income. A responsible mortgage is what feels right for your situation — now and in the future. At Libero Financieel, we always look at both, so you keep your financial peace of mind.