Buying Power Calculator
Calculate how much you can borrow with 2 persons. Includes student debt and exit scenarios.
Calculated with current market interest: 3.98% (10y fixed, NHG)
Maximum mortgage
€ 0
Income
€ 0
Savings
€ 0
Debt p/m
€ 0
LTV
0%
🚪 Exit Calculator
Calculate the payout amount per owner based on their borrowing capacity and expected exit moment.
💡 The payout amount is based on 3.5% annual appreciation and each owner's share of the total borrowing capacity.
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Compare banks nowFrequently Asked Questions
Financial details for your joint calculation. Last updated: June 3, 2026.
Verified by Jozua
Founder & Analyst
Since 2023, the second (and subsequent) income basically counts for 100% in the calculation of the maximum mortgage. Our calculator therefore also counts the first, second, third, and fourth income for 100% in the assessment. The bank eventually looks at the contract type (permanent/fixed-term) and individual stability.
Yes, the bank registers your student debt. In the new system, your borrowing capacity is reduced (usually by a weighting factor around 0.35% per month of the original debt). Enter the amount that DUO collects monthly under 'Monthly debts' (or a percentage of your starting debt).
In the Netherlands, you may borrow a maximum of 100% of the current market value of the home (LTV = 100%). Additional costs, the 'Buyer's Costs' (think of the notary, appraiser, mortgage advisor, and real estate agent), must always be paid from your own savings. Count on an average of over 3% to 6% of the home value in own funds.
Yes, the 0% starter exemption can also be applied by a group. However, the value of the home must be below a certain amount. An important consideration for groups is the choice to buy a house under this limit. By retaining the starter exemption for your next house, the benefit is greater.
Yes, certainly. Whoever is an owner and lives there is entitled to mortgage interest deduction on the part of the interest that person pays. If you are fiscal partners with each other, you may freely shift deductions among yourselves, but otherwise not. If a friend is not a partner? Then that friend simply deducts their share of the debt from the mortgage interest in Box 1.
Source: Tax Authority - No fiscal partners, but joint home ownership
This is possible! Banks usually look at your average net profit over the last three years (or via an income statement for younger companies). It does make your group mortgage more complicated to apply for. Calculate with your realistic average income and involve an external party or buying assistant in time.
Source: Ikbenfrits - Mortgage Freelancer
Transparent calculations: This calculator uses current calculation rules for housing finance and the latest known mortgage standards (as of April 2026). Because tax rules and interest rates are updated regularly, the results are intended as a realistic indication of your possibilities. For a final assessment that takes all personal details into account, a conversation with a recognized mortgage advisor is the next logical step.
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