How much can I borrow in 2026?

It is one of the most frequently asked questions. The maximum amount you can borrow depends on various factors such as income, fixed expenses, the mortgage interest rate, the type of mortgage you choose, but also your living situation. In this blog, you can read more about determining the maximum mortgage.

How is your maximum mortgage determined in 2026?

The most important factors for determining a maximum mortgage are:

1. Your gross annual income
   The higher your income, the more you can borrow. In 2026, two incomes are counted at 100%. This is a difference compared to previous years.
2. The mortgage interest rate
   The higher the interest rate, the lower your maximum mortgage. This is because you will have higher monthly expenses. In 2026, the market expects a slight decrease or stabilization of interest rates.
3. The energy label
   In 2026, you are allowed to borrow more for homes with a higher energy label. An A-label or better therefore means more borrowing capacity. And with a lower or poor label, less borrowing capacity. Some banks even do not lend anything at all on homes with a poor energy label.
4. Any debts or financial obligations
   Think of student loans, a car on hire purchase, credit card debt, or something similar. These expenses weigh more heavily than many people think.
5. The age of the home and renovation plans
   Do you have plans to make your home more sustainable? Then you can often borrow extra. The National Mortgage Guarantee (NHG) also offers special additional options for this.

Calculation examples for 2026
Example A: Single
Income: € 45,000
Interest rate: 4.3% (fixed for 10 years)
No debts
Maximum mortgage 2026: approximately € 210,000

Example B — Dual-income couple, € 38,000 + € 28,000
Joint income: € 66,000
Interest rate: 4.3% (fixed for 10 years)
No debts
Maximum mortgage 2026: approximately €330,000

Example C — Couple with car on installment (€ 200 per month)
Same situation as example B, but with an installment:
Car installment → current rules → approximately €25,000 less borrowing capacity
Maximum mortgage 2026: € 305,000

What changes in 2026?

• Borrow more with a higher energy label
• First-time buyers benefit from sustainable new-build properties
• Even stricter assessment of consumer credit

We cannot derive any rights from the examples mentioned above. These are simplified examples based on non-existent situations. Your situation is unique. Do you want to know exactly how much you can borrow?

Request a free mortgage consultation, and together we will determine your maximum mortgage!