The annual income is the starting point for determining the maximum mortgage. Your annual income is your gross monthly income multiplied by 12 for a monthly salary or 13 for a 4-week salary. You also add 8% holiday allowance. Optionally, you can add irregularity allowance, year-end bonus, overtime and commission to your annual income. To know your exact income, it is useful to ask your employer to complete an employer’s statement. For self-employed entrepreneurs, other criteria apply depending on the form of the enterprise (for example, sole proprietorship, general partnership, private limited company).

We take into account the maximum mortgage in accordance with the Code of Conduct for Mortgage Financiers (GHF standard). However, we also charge you whether the mortgage fits in budget (with your expenses) in various scenarios. This is different per person and therefore tailor-made.

If you have any questions or if you would like to make an appointment, please send an email to or call
+31 (0)180 712 860